Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$38,186Cash toward the purchase price.
Closing costs + prepaids$12,332Not just lender fees.
Before credits & paid funds$50,518The complete starting cash picture.
Estimated remaining funds due at closing
$50,518No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,185.70
Your down payment$38,185.70
Closing costs + prepaids$12,332.15
Total buyer cash needed$50,517.85
Remaining funds due$50,517.85
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%)$1,484.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$176.75
Initial HOA (3 months)$495.00
Prepaid interest, first (29 days)$1,608.33
Fees + prepaids$12,332.15
Your down payment is the seller’s equity. You take over the $296,814 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $50,517.85 is due at closing. Uses and sources reconcile at $347,332.15 each. Not a Closing Disclosure.