Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$114,554Cash toward the purchase price.
Closing costs + prepaids$10,557Not just lender fees.
Before credits & paid funds$125,111The complete starting cash picture.
Estimated remaining funds due at closing
$125,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,553.82
Your down payment$114,553.82
Closing costs + prepaids$10,557.28
Total buyer cash needed$125,111.10
Remaining funds due$125,111.10
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%)$1,102.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$397.25
Initial HOA (3 months)$24.99
Prepaid interest, first (26 days)$464.81
Fees + prepaids$10,557.28
Your down payment is the seller’s equity. You take over the $220,446 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $125,111.10 is due at closing. Uses and sources reconcile at $345,557.28 each. Not a Closing Disclosure.