Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$123,510Cash toward the purchase price.
Closing costs + prepaids$10,919Not just lender fees.
Before credits & paid funds$134,429The complete starting cash picture.
Estimated remaining funds due at closing
$134,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,510.31
Your down payment$123,510.31
Closing costs + prepaids$10,919.07
Total buyer cash needed$134,429.37
Remaining funds due$134,429.37
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%)$1,057.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$413.00
Initial HOA (3 months)$225.00
Prepaid interest, first (31 days)$655.62
Fees + prepaids$10,919.07
Your down payment is the seller’s equity. You take over the $211,490 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $134,429.37 is due at closing. Uses and sources reconcile at $345,919.07 each. Not a Closing Disclosure.