Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$70,298Cash toward the purchase price.
Closing costs + prepaids$11,456Not just lender fees.
Before credits & paid funds$81,754The complete starting cash picture.
Estimated remaining funds due at closing
$81,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,297.98
Your down payment$70,297.98
Closing costs + prepaids$11,455.95
Total buyer cash needed$81,753.93
Remaining funds due$81,753.93
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%)$1,323.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,122.50
Prepaid interest, first (22 days)$441.94
Fees + prepaids$11,455.95
Your down payment is the seller’s equity. You take over the $264,702 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $81,753.93 is due at closing. Uses and sources reconcile at $346,455.95 each. Not a Closing Disclosure.