Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$197,789Cash toward the purchase price.
Closing costs + prepaids$9,986Not just lender fees.
Before credits & paid funds$207,775The complete starting cash picture.
Estimated remaining funds due at closing
$207,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$197,788.62
Your down payment$197,788.62
Closing costs + prepaids$9,986.47
Total buyer cash needed$207,775.09
Remaining funds due$207,775.09
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%)$686.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$477.75
Initial HOA (3 months)$240.00
Prepaid interest, first (1 days)$14.66
Fees + prepaids$9,986.47
Your down payment is the seller’s equity. You take over the $137,211 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $207,775.09 is due at closing. Uses and sources reconcile at $344,986.47 each. Not a Closing Disclosure.