Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$60,396Cash toward the purchase price.
Closing costs + prepaids$10,384Not just lender fees.
Before credits & paid funds$70,779The complete starting cash picture.
Estimated remaining funds due at closing
$70,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,395.70
Your down payment$60,395.70
Closing costs + prepaids$10,383.60
Total buyer cash needed$70,779.30
Remaining funds due$70,779.30
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%)$1,373.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$394.50
Prepaid interest, first (1 days)$48.07
Fees + prepaids$10,383.60
Your down payment is the seller’s equity. You take over the $274,604 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $70,779.30 is due at closing. Uses and sources reconcile at $345,383.60 each. Not a Closing Disclosure.