Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$199,234Cash toward the purchase price.
Closing costs + prepaids$10,222Not just lender fees.
Before credits & paid funds$209,456The complete starting cash picture.
Estimated remaining funds due at closing
$209,456No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,233.91
Your down payment$199,233.91
Closing costs + prepaids$10,222.17
Total buyer cash needed$209,456.08
Remaining funds due$209,456.08
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%)$678.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$662.00
Initial HOA (3 months)$102.51
Prepaid interest, first (26 days)$210.83
Fees + prepaids$10,222.17
Your down payment is the seller’s equity. You take over the $135,766 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $209,456.08 is due at closing. Uses and sources reconcile at $345,222.17 each. Not a Closing Disclosure.