Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$131,001Cash toward the purchase price.
Closing costs + prepaids$10,853Not just lender fees.
Before credits & paid funds$141,853The complete starting cash picture.
Estimated remaining funds due at closing
$141,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,000.71
Your down payment$131,000.71
Closing costs + prepaids$10,852.55
Total buyer cash needed$141,853.27
Remaining funds due$141,853.27
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%)$1,020.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$837.50
Prepaid interest, first (27 days)$427.06
Fees + prepaids$10,852.55
Your down payment is the seller’s equity. You take over the $203,999 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $141,853.27 is due at closing. Uses and sources reconcile at $345,852.55 each. Not a Closing Disclosure.