Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$245,807Cash toward the purchase price.
Closing costs + prepaids$9,652Not just lender fees.
Before credits & paid funds$255,459The complete starting cash picture.
Estimated remaining funds due at closing
$255,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,807.35
Your down payment$245,807.35
Closing costs + prepaids$9,651.53
Total buyer cash needed$255,458.87
Remaining funds due$255,458.87
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%)$445.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$402.00
Initial HOA (3 months)$183.00
Prepaid interest, first (9 days)$52.56
Fees + prepaids$9,651.53
Your down payment is the seller’s equity. You take over the $89,193 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $255,458.87 is due at closing. Uses and sources reconcile at $344,651.53 each. Not a Closing Disclosure.