Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$1,409Cash toward the purchase price.
Closing costs + prepaids$11,727Not just lender fees.
Before credits & paid funds$13,136The complete starting cash picture.
Estimated remaining funds due at closing
$13,136No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,408.77
Your down payment$1,408.77
Closing costs + prepaids$11,726.77
Total buyer cash needed$13,135.53
Remaining funds due$13,135.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,667.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$418.75
Prepaid interest, first (17 days)$1,072.06
Fees + prepaids$11,726.77
Your down payment is the seller’s equity. You take over the $333,591 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $13,135.53 is due at closing. Uses and sources reconcile at $346,726.77 each. Not a Closing Disclosure.