Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$252,404Cash toward the purchase price.
Closing costs + prepaids$10,235Not just lender fees.
Before credits & paid funds$262,639The complete starting cash picture.
Estimated remaining funds due at closing
$262,639No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,403.86
Your down payment$252,403.86
Closing costs + prepaids$10,235.41
Total buyer cash needed$262,639.27
Remaining funds due$262,639.27
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%)$412.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$773.50
Initial HOA (3 months)$12.51
Prepaid interest, first (30 days)$468.42
Fees + prepaids$10,235.41
Your down payment is the seller’s equity. You take over the $82,596 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $262,639.27 is due at closing. Uses and sources reconcile at $345,235.41 each. Not a Closing Disclosure.