Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$78,641Cash toward the purchase price.
Closing costs + prepaids$12,835Not just lender fees.
Before credits & paid funds$91,476The complete starting cash picture.
Estimated remaining funds due at closing
$91,476No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,641.45
Your down payment$78,641.45
Closing costs + prepaids$12,834.58
Total buyer cash needed$91,476.03
Remaining funds due$91,476.03
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%)$1,281.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,348.75
Initial HOA (3 months)$24.99
Prepaid interest, first (29 days)$611.05
Fees + prepaids$12,834.58
Your down payment is the seller’s equity. You take over the $256,359 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $91,476.03 is due at closing. Uses and sources reconcile at $347,834.58 each. Not a Closing Disclosure.