Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$109,562Cash toward the purchase price.
Closing costs + prepaids$12,704Not just lender fees.
Before credits & paid funds$122,266The complete starting cash picture.
Estimated remaining funds due at closing
$122,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,561.55
Your down payment$109,561.55
Closing costs + prepaids$12,704.10
Total buyer cash needed$122,265.64
Remaining funds due$122,265.64
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%)$1,127.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,812.50
Initial HOA (3 months)$24.99
Prepaid interest, first (29 days)$1,171.42
Fees + prepaids$12,704.10
Your down payment is the seller’s equity. You take over the $225,438 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $122,265.64 is due at closing. Uses and sources reconcile at $347,704.10 each. Not a Closing Disclosure.