Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$225,873Cash toward the purchase price.
Closing costs + prepaids$11,386Not just lender fees.
Before credits & paid funds$237,259The complete starting cash picture.
Estimated remaining funds due at closing
$237,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,873.22
Your down payment$225,873.22
Closing costs + prepaids$11,385.57
Total buyer cash needed$237,258.79
Remaining funds due$237,258.79
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%)$545.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$501.25
Initial HOA (3 months)$1,314.00
Prepaid interest, first (25 days)$456.69
Fees + prepaids$11,385.57
Your down payment is the seller’s equity. You take over the $109,127 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $237,258.79 is due at closing. Uses and sources reconcile at $346,385.57 each. Not a Closing Disclosure.