Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$118,924Cash toward the purchase price.
Closing costs + prepaids$10,533Not just lender fees.
Before credits & paid funds$129,457The complete starting cash picture.
Estimated remaining funds due at closing
$129,457No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,924.06
Your down payment$118,924.06
Closing costs + prepaids$10,532.64
Total buyer cash needed$129,456.70
Remaining funds due$129,456.70
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%)$3,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,029.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$536.00
Prepaid interest, first (27 days)$499.76
Fees + prepaids$10,532.64
Your down payment is the seller’s equity. You take over the $205,976 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $129,456.70 is due at closing. Uses and sources reconcile at $335,432.64 each. Not a Closing Disclosure.