Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$189,134Cash toward the purchase price.
Closing costs + prepaids$10,568Not just lender fees.
Before credits & paid funds$199,702The complete starting cash picture.
Estimated remaining funds due at closing
$199,702No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,133.63
Your down payment$189,133.63
Closing costs + prepaids$10,568.03
Total buyer cash needed$199,701.66
Remaining funds due$199,701.66
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%)$729.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$192.25
Initial HOA (3 months)$690.00
Prepaid interest, first (27 days)$388.44
Fees + prepaids$10,568.03
Your down payment is the seller’s equity. You take over the $145,866 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $199,701.66 is due at closing. Uses and sources reconcile at $345,568.03 each. Not a Closing Disclosure.