Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$85,995Cash toward the purchase price.
Closing costs + prepaids$11,048Not just lender fees.
Before credits & paid funds$97,043The complete starting cash picture.
Estimated remaining funds due at closing
$97,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,995.40
Your down payment$85,995.40
Closing costs + prepaids$11,047.78
Total buyer cash needed$97,043.17
Remaining funds due$97,043.17
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%)$3,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,244.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$453.75
Initial HOA (3 months)$278.01
Prepaid interest, first (27 days)$504.49
Fees + prepaids$11,047.78
Your down payment is the seller’s equity. You take over the $248,905 balance, so the rest of the $334,900 price is paid at closing. A second mortgage can cover part of it. $97,043.17 is due at closing. Uses and sources reconcile at $345,947.78 each. Not a Closing Disclosure.