Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$63,717Cash toward the purchase price.
Closing costs + prepaids$12,004Not just lender fees.
Before credits & paid funds$75,721The complete starting cash picture.
Estimated remaining funds due at closing
$75,721No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,717.04
Your down payment$63,717.04
Closing costs + prepaids$12,004.44
Total buyer cash needed$75,721.48
Remaining funds due$75,721.48
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%)$1,356.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$375.50
Initial HOA (3 months)$360.00
Prepaid interest, first (27 days)$1,344.52
Fees + prepaids$12,004.44
Your down payment is the seller’s equity. You take over the $271,283 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $75,721.48 is due at closing. Uses and sources reconcile at $347,004.44 each. Not a Closing Disclosure.