Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$67,272Cash toward the purchase price.
Closing costs + prepaids$11,167Not just lender fees.
Before credits & paid funds$78,439The complete starting cash picture.
Estimated remaining funds due at closing
$78,439No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,272.10
Your down payment$67,272.10
Closing costs + prepaids$11,167.11
Total buyer cash needed$78,439.21
Remaining funds due$78,439.21
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%)$3,349.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,338.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$646.75
Initial HOA (3 months)$111.00
Prepaid interest, first (23 days)$502.74
Fees + prepaids$11,167.11
Your down payment is the seller’s equity. You take over the $267,727 balance, so the rest of the $334,999 price is paid at closing. A second mortgage can cover part of it. $78,439.21 is due at closing. Uses and sources reconcile at $346,166.11 each. Not a Closing Disclosure.