Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$62,269Cash toward the purchase price.
Closing costs + prepaids$11,246Not just lender fees.
Before credits & paid funds$73,515The complete starting cash picture.
Estimated remaining funds due at closing
$73,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,268.75
Your down payment$62,268.75
Closing costs + prepaids$11,245.81
Total buyer cash needed$73,514.56
Remaining funds due$73,514.56
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%)$1,363.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$96.50
Prepaid interest, first (24 days)$1,217.65
Fees + prepaids$11,245.81
Your down payment is the seller’s equity. You take over the $272,731 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $73,514.56 is due at closing. Uses and sources reconcile at $346,245.81 each. Not a Closing Disclosure.