Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$77,021Cash toward the purchase price.
Closing costs + prepaids$11,817Not just lender fees.
Before credits & paid funds$88,838The complete starting cash picture.
Estimated remaining funds due at closing
$88,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,020.72
Your down payment$77,020.72
Closing costs + prepaids$11,817.34
Total buyer cash needed$88,838.06
Remaining funds due$88,838.06
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%)$1,289.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$923.00
Prepaid interest, first (24 days)$1,036.44
Fees + prepaids$11,817.34
Your down payment is the seller’s equity. You take over the $257,979 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $88,838.06 is due at closing. Uses and sources reconcile at $346,817.34 each. Not a Closing Disclosure.