Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$226,494Cash toward the purchase price.
Closing costs + prepaids$10,378Not just lender fees.
Before credits & paid funds$236,873The complete starting cash picture.
Estimated remaining funds due at closing
$236,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,494.17
Your down payment$226,494.17
Closing costs + prepaids$10,378.46
Total buyer cash needed$236,872.63
Remaining funds due$236,872.63
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%)$542.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,000.50
Prepaid interest, first (26 days)$267.43
Fees + prepaids$10,378.46
Your down payment is the seller’s equity. You take over the $108,506 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $236,872.63 is due at closing. Uses and sources reconcile at $345,378.46 each. Not a Closing Disclosure.