Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$73,212Cash toward the purchase price.
Closing costs + prepaids$11,384Not just lender fees.
Before credits & paid funds$84,595The complete starting cash picture.
Estimated remaining funds due at closing
$84,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,211.59
Your down payment$73,211.59
Closing costs + prepaids$11,383.89
Total buyer cash needed$84,595.49
Remaining funds due$84,595.49
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%)$1,308.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$256.75
Initial HOA (3 months)$609.00
Prepaid interest, first (30 days)$641.20
Fees + prepaids$11,383.89
Your down payment is the seller’s equity. You take over the $261,788 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $84,595.49 is due at closing. Uses and sources reconcile at $346,383.89 each. Not a Closing Disclosure.