Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$235,544Cash toward the purchase price.
Closing costs + prepaids$9,761Not just lender fees.
Before credits & paid funds$245,305The complete starting cash picture.
Estimated remaining funds due at closing
$245,305No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,543.93
Your down payment$235,543.93
Closing costs + prepaids$9,761.38
Total buyer cash needed$245,305.32
Remaining funds due$245,305.32
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%)$497.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$392.50
Initial HOA (3 months)$24.99
Prepaid interest, first (25 days)$278.61
Fees + prepaids$9,761.38
Your down payment is the seller’s equity. You take over the $99,456 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $245,305.32 is due at closing. Uses and sources reconcile at $344,761.38 each. Not a Closing Disclosure.