Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$224,873Cash toward the purchase price.
Closing costs + prepaids$11,038Not just lender fees.
Before credits & paid funds$235,911The complete starting cash picture.
Estimated remaining funds due at closing
$235,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,873.22
Your down payment$224,873.22
Closing costs + prepaids$11,037.59
Total buyer cash needed$235,910.81
Remaining funds due$235,910.81
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%)$3,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$545.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$400.75
Initial HOA (3 months)$1,314.00
Prepaid interest, first (12 days)$219.21
Fees + prepaids$11,037.59
Your down payment is the seller’s equity. You take over the $109,127 balance, so the rest of the $334,000 price is paid at closing. A second mortgage can cover part of it. $235,910.81 is due at closing. Uses and sources reconcile at $345,037.59 each. Not a Closing Disclosure.