Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$203,591Cash toward the purchase price.
Closing costs + prepaids$9,925Not just lender fees.
Before credits & paid funds$213,516The complete starting cash picture.
Estimated remaining funds due at closing
$213,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,590.77
Your down payment$203,590.77
Closing costs + prepaids$9,925.14
Total buyer cash needed$213,515.91
Remaining funds due$213,515.91
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%)$657.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$293.00
Initial HOA (3 months)$132.00
Prepaid interest, first (27 days)$275.10
Fees + prepaids$9,925.14
Your down payment is the seller’s equity. You take over the $131,409 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $213,515.91 is due at closing. Uses and sources reconcile at $344,925.14 each. Not a Closing Disclosure.