Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$211,749Cash toward the purchase price.
Closing costs + prepaids$10,045Not just lender fees.
Before credits & paid funds$221,794The complete starting cash picture.
Estimated remaining funds due at closing
$221,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,748.82
Your down payment$211,748.82
Closing costs + prepaids$10,045.40
Total buyer cash needed$221,794.22
Remaining funds due$221,794.22
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%)$616.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$441.75
Initial HOA (3 months)$138.99
Prepaid interest, first (24 days)$280.40
Fees + prepaids$10,045.40
Your down payment is the seller’s equity. You take over the $123,251 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $221,794.22 is due at closing. Uses and sources reconcile at $345,045.40 each. Not a Closing Disclosure.