Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$76,272Cash toward the purchase price.
Closing costs + prepaids$11,427Not just lender fees.
Before credits & paid funds$87,698The complete starting cash picture.
Estimated remaining funds due at closing
$87,698No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,271.77
Your down payment$76,271.77
Closing costs + prepaids$11,426.51
Total buyer cash needed$87,698.27
Remaining funds due$87,698.27
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%)$1,293.64
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 (31 days)$674.61
Fees + prepaids$11,426.51
Your down payment is the seller’s equity. You take over the $258,728 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $87,698.27 is due at closing. Uses and sources reconcile at $346,426.51 each. Not a Closing Disclosure.