Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$216,045Cash toward the purchase price.
Closing costs + prepaids$10,968Not just lender fees.
Before credits & paid funds$227,012The complete starting cash picture.
Estimated remaining funds due at closing
$227,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,044.68
Your down payment$216,044.68
Closing costs + prepaids$10,967.59
Total buyer cash needed$227,012.28
Remaining funds due$227,012.28
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%)$3,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$589.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$820.75
Initial HOA (3 months)$801.00
Prepaid interest, first (27 days)$198.07
Fees + prepaids$10,967.59
Your down payment is the seller’s equity. You take over the $117,955 balance, so the rest of the $334,000 price is paid at closing. A second mortgage can cover part of it. $227,012.28 is due at closing. Uses and sources reconcile at $344,967.59 each. Not a Closing Disclosure.