Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$141,578Cash toward the purchase price.
Closing costs + prepaids$12,263Not just lender fees.
Before credits & paid funds$153,841The complete starting cash picture.
Estimated remaining funds due at closing
$153,841No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,578.29
Your down payment$141,578.29
Closing costs + prepaids$12,263.01
Total buyer cash needed$153,841.30
Remaining funds due$153,841.30
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%)$967.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$919.00
Initial HOA (3 months)$1,434.99
Prepaid interest, first (24 days)$373.91
Fees + prepaids$12,263.01
Your down payment is the seller’s equity. You take over the $193,422 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $153,841.30 is due at closing. Uses and sources reconcile at $347,263.01 each. Not a Closing Disclosure.