Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$87,015Cash toward the purchase price.
Closing costs + prepaids$10,762Not just lender fees.
Before credits & paid funds$97,777The complete starting cash picture.
Estimated remaining funds due at closing
$97,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,014.85
Your down payment$87,014.85
Closing costs + prepaids$10,762.46
Total buyer cash needed$97,777.31
Remaining funds due$97,777.31
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%)$1,239.93
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)$204.00
Prepaid interest, first (9 days)$348.54
Fees + prepaids$10,762.46
Your down payment is the seller’s equity. You take over the $247,985 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $97,777.31 is due at closing. Uses and sources reconcile at $345,762.46 each. Not a Closing Disclosure.