Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$96,999Cash toward the purchase price.
Closing costs + prepaids$10,772Not just lender fees.
Before credits & paid funds$107,770The complete starting cash picture.
Estimated remaining funds due at closing
$107,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,998.67
Your down payment$96,998.67
Closing costs + prepaids$10,771.55
Total buyer cash needed$107,770.22
Remaining funds due$107,770.22
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%)$1,190.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$419.50
Initial HOA (3 months)$105.00
Prepaid interest, first (25 days)$489.04
Fees + prepaids$10,771.55
Your down payment is the seller’s equity. You take over the $238,001 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $107,770.22 is due at closing. Uses and sources reconcile at $345,771.55 each. Not a Closing Disclosure.