Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$86,934Cash toward the purchase price.
Closing costs + prepaids$10,295Not just lender fees.
Before credits & paid funds$97,230The complete starting cash picture.
Estimated remaining funds due at closing
$97,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,934.50
Your down payment$86,934.50
Closing costs + prepaids$10,295.21
Total buyer cash needed$97,229.71
Remaining funds due$97,229.71
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%)$1,240.33
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 (2 days)$39.15
Fees + prepaids$10,295.21
Your down payment is the seller’s equity. You take over the $248,066 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $97,229.71 is due at closing. Uses and sources reconcile at $345,295.21 each. Not a Closing Disclosure.