Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$166,915Cash toward the purchase price.
Closing costs + prepaids$10,288Not just lender fees.
Before credits & paid funds$177,202The complete starting cash picture.
Estimated remaining funds due at closing
$177,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,914.91
Your down payment$166,914.91
Closing costs + prepaids$10,287.54
Total buyer cash needed$177,202.45
Remaining funds due$177,202.45
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%)$840.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$431.50
Prepaid interest, first (27 days)$447.61
Fees + prepaids$10,287.54
Your down payment is the seller’s equity. You take over the $168,085 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $177,202.45 is due at closing. Uses and sources reconcile at $345,287.54 each. Not a Closing Disclosure.