Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$23,615Cash toward the purchase price.
Closing costs + prepaids$11,476Not just lender fees.
Before credits & paid funds$35,092The complete starting cash picture.
Estimated remaining funds due at closing
$35,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,615.36
Your down payment$23,615.36
Closing costs + prepaids$11,476.21
Total buyer cash needed$35,091.57
Remaining funds due$35,091.57
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%)$1,556.92
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)$932.53
Fees + prepaids$11,476.21
Your down payment is the seller’s equity. You take over the $311,385 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $35,091.57 is due at closing. Uses and sources reconcile at $346,476.21 each. Not a Closing Disclosure.