Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$187,342Cash toward the purchase price.
Closing costs + prepaids$11,987Not just lender fees.
Before credits & paid funds$199,329The complete starting cash picture.
Estimated remaining funds due at closing
$199,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,341.89
Your down payment$187,341.89
Closing costs + prepaids$11,987.41
Total buyer cash needed$199,329.31
Remaining funds due$199,329.31
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%)$738.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$837.50
Initial HOA (3 months)$1,425.00
Prepaid interest, first (26 days)$418.62
Fees + prepaids$11,987.41
Your down payment is the seller’s equity. You take over the $147,658 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $199,329.31 is due at closing. Uses and sources reconcile at $346,987.41 each. Not a Closing Disclosure.