Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$111,777Cash toward the purchase price.
Closing costs + prepaids$10,913Not just lender fees.
Before credits & paid funds$122,690The complete starting cash picture.
Estimated remaining funds due at closing
$122,690No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,777.30
Your down payment$111,777.30
Closing costs + prepaids$10,913.08
Total buyer cash needed$122,690.37
Remaining funds due$122,690.37
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%)$3,312.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,097.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$828.00
Prepaid interest, first (26 days)$457.96
Fees + prepaids$10,913.08
Your down payment is the seller’s equity. You take over the $219,423 balance, so the rest of the $331,200 price is paid at closing. A second mortgage can cover part of it. $122,690.37 is due at closing. Uses and sources reconcile at $342,113.08 each. Not a Closing Disclosure.