Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$74,974Cash toward the purchase price.
Closing costs + prepaids$11,328Not just lender fees.
Before credits & paid funds$86,302The complete starting cash picture.
Estimated remaining funds due at closing
$86,302No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,973.90
Your down payment$74,973.90
Closing costs + prepaids$11,327.85
Total buyer cash needed$86,301.75
Remaining funds due$86,301.75
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%)$1,300.13
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)$111.00
Prepaid interest, first (24 days)$511.22
Fees + prepaids$11,327.85
Your down payment is the seller’s equity. You take over the $260,026 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $86,301.75 is due at closing. Uses and sources reconcile at $346,327.85 each. Not a Closing Disclosure.