Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$66,701Cash toward the purchase price.
Closing costs + prepaids$10,893Not just lender fees.
Before credits & paid funds$77,595The complete starting cash picture.
Estimated remaining funds due at closing
$77,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,701.12
Your down payment$66,701.12
Closing costs + prepaids$10,893.47
Total buyer cash needed$77,594.59
Remaining funds due$77,594.59
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%)$1,341.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$488.25
Prepaid interest, first (24 days)$495.73
Fees + prepaids$10,893.47
Your down payment is the seller’s equity. You take over the $268,299 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $77,594.59 is due at closing. Uses and sources reconcile at $345,893.47 each. Not a Closing Disclosure.