Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$60,721Cash toward the purchase price.
Closing costs + prepaids$11,582Not just lender fees.
Before credits & paid funds$72,303The complete starting cash picture.
Estimated remaining funds due at closing
$72,303No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,720.63
Your down payment$60,720.63
Closing costs + prepaids$11,582.36
Total buyer cash needed$72,302.99
Remaining funds due$72,302.99
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%)$1,371.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$394.50
Prepaid interest, first (26 days)$1,248.46
Fees + prepaids$11,582.36
Your down payment is the seller’s equity. You take over the $274,279 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $72,302.99 is due at closing. Uses and sources reconcile at $346,582.36 each. Not a Closing Disclosure.