Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$63,663Cash toward the purchase price.
Closing costs + prepaids$11,252Not just lender fees.
Before credits & paid funds$74,914The complete starting cash picture.
Estimated remaining funds due at closing
$74,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,662.64
Your down payment$63,662.64
Closing costs + prepaids$11,251.66
Total buyer cash needed$74,914.30
Remaining funds due$74,914.30
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%)$1,356.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$171.50
Initial HOA (3 months)$12.51
Prepaid interest, first (25 days)$1,142.96
Fees + prepaids$11,251.66
Your down payment is the seller’s equity. You take over the $271,337 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $74,914.30 is due at closing. Uses and sources reconcile at $346,251.66 each. Not a Closing Disclosure.