Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$32,842Cash toward the purchase price.
Closing costs + prepaids$11,157Not just lender fees.
Before credits & paid funds$43,999The complete starting cash picture.
Estimated remaining funds due at closing
$43,999No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,841.62
Your down payment$32,841.62
Closing costs + prepaids$11,157.30
Total buyer cash needed$43,998.91
Remaining funds due$43,998.91
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%)$1,510.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$402.00
Prepaid interest, first (12 days)$676.50
Fees + prepaids$11,157.30
Your down payment is the seller’s equity. You take over the $302,158 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $43,998.91 is due at closing. Uses and sources reconcile at $346,157.30 each. Not a Closing Disclosure.