Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$136,788Cash toward the purchase price.
Closing costs + prepaids$10,784Not just lender fees.
Before credits & paid funds$147,573The complete starting cash picture.
Estimated remaining funds due at closing
$147,573No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,788.20
Your down payment$136,788.20
Closing costs + prepaids$10,784.40
Total buyer cash needed$147,572.60
Remaining funds due$147,572.60
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%)$991.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$861.50
Prepaid interest, first (25 days)$363.84
Fees + prepaids$10,784.40
Your down payment is the seller’s equity. You take over the $198,212 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $147,572.60 is due at closing. Uses and sources reconcile at $345,784.40 each. Not a Closing Disclosure.