Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$107,014Cash toward the purchase price.
Closing costs + prepaids$11,385Not just lender fees.
Before credits & paid funds$118,399The complete starting cash picture.
Estimated remaining funds due at closing
$118,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,013.57
Your down payment$107,013.57
Closing costs + prepaids$11,385.27
Total buyer cash needed$118,398.84
Remaining funds due$118,398.84
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%)$3,357.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,143.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,018.50
Initial HOA (3 months)$180.00
Prepaid interest, first (25 days)$468.34
Fees + prepaids$11,385.27
Your down payment is the seller’s equity. You take over the $228,686 balance, so the rest of the $335,700 price is paid at closing. A second mortgage can cover part of it. $118,398.84 is due at closing. Uses and sources reconcile at $347,085.27 each. Not a Closing Disclosure.