Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$75,702Cash toward the purchase price.
Closing costs + prepaids$10,777Not just lender fees.
Before credits & paid funds$86,478The complete starting cash picture.
Estimated remaining funds due at closing
$86,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,701.51
Your down payment$75,701.51
Closing costs + prepaids$10,776.56
Total buyer cash needed$86,478.07
Remaining funds due$86,478.07
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%)$1,296.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$396.25
Initial HOA (3 months)$494.01
Prepaid interest, first (1 days)$21.81
Fees + prepaids$10,776.56
Your down payment is the seller’s equity. You take over the $259,298 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $86,478.07 is due at closing. Uses and sources reconcile at $345,776.56 each. Not a Closing Disclosure.