Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$124,499Cash toward the purchase price.
Closing costs + prepaids$10,725Not just lender fees.
Before credits & paid funds$135,224The complete starting cash picture.
Estimated remaining funds due at closing
$135,224No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,499.11
Your down payment$124,499.11
Closing costs + prepaids$10,725.01
Total buyer cash needed$135,224.12
Remaining funds due$135,224.12
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%)$1,052.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$641.00
Initial HOA (3 months)$27.51
Prepaid interest, first (24 days)$436.00
Fees + prepaids$10,725.01
Your down payment is the seller’s equity. You take over the $210,501 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $135,224.12 is due at closing. Uses and sources reconcile at $345,725.01 each. Not a Closing Disclosure.