Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$87,497Cash toward the purchase price.
Closing costs + prepaids$10,859Not just lender fees.
Before credits & paid funds$98,356The complete starting cash picture.
Estimated remaining funds due at closing
$98,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,497.44
Your down payment$87,497.44
Closing costs + prepaids$10,858.65
Total buyer cash needed$98,356.09
Remaining funds due$98,356.09
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%)$1,237.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$404.75
Initial HOA (3 months)$42.99
Prepaid interest, first (31 days)$605.40
Fees + prepaids$10,858.65
Your down payment is the seller’s equity. You take over the $247,503 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $98,356.09 is due at closing. Uses and sources reconcile at $345,858.65 each. Not a Closing Disclosure.