Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$62,325Cash toward the purchase price.
Closing costs + prepaids$10,664Not just lender fees.
Before credits & paid funds$72,989The complete starting cash picture.
Estimated remaining funds due at closing
$72,989No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,324.93
Your down payment$62,324.93
Closing costs + prepaids$10,663.71
Total buyer cash needed$72,988.64
Remaining funds due$72,988.64
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%)$1,363.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$154.25
Initial HOA (3 months)$555.00
Prepaid interest, first (1 days)$23.08
Fees + prepaids$10,663.71
Your down payment is the seller’s equity. You take over the $272,675 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $72,988.64 is due at closing. Uses and sources reconcile at $345,663.71 each. Not a Closing Disclosure.