Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$86,808Cash toward the purchase price.
Closing costs + prepaids$11,570Not just lender fees.
Before credits & paid funds$98,378The complete starting cash picture.
Estimated remaining funds due at closing
$98,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,807.75
Your down payment$86,807.75
Closing costs + prepaids$11,569.93
Total buyer cash needed$98,377.68
Remaining funds due$98,377.68
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%)$1,240.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$625.50
Initial HOA (3 months)$90.00
Prepaid interest, first (25 days)$1,045.47
Fees + prepaids$11,569.93
Your down payment is the seller’s equity. You take over the $248,192 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $98,377.68 is due at closing. Uses and sources reconcile at $346,569.93 each. Not a Closing Disclosure.