Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$46,678Cash toward the purchase price.
Closing costs + prepaids$11,331Not just lender fees.
Before credits & paid funds$58,008The complete starting cash picture.
Estimated remaining funds due at closing
$58,008No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,677.53
Your down payment$46,677.53
Closing costs + prepaids$11,330.77
Total buyer cash needed$58,008.30
Remaining funds due$58,008.30
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%)$1,441.61
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)$902.41
Fees + prepaids$11,330.77
Your down payment is the seller’s equity. You take over the $288,322 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $58,008.30 is due at closing. Uses and sources reconcile at $346,330.77 each. Not a Closing Disclosure.