Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$135,019Cash toward the purchase price.
Closing costs + prepaids$11,109Not just lender fees.
Before credits & paid funds$146,128The complete starting cash picture.
Estimated remaining funds due at closing
$146,128No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,018.68
Your down payment$135,018.68
Closing costs + prepaids$11,108.83
Total buyer cash needed$146,127.51
Remaining funds due$146,127.51
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$969.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$822.50
Initial HOA (3 months)$237.00
Prepaid interest, first (28 days)$571.42
Fees + prepaids$11,108.83
Your down payment is the seller’s equity. You take over the $193,981 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $146,127.51 is due at closing. Uses and sources reconcile at $340,108.83 each. Not a Closing Disclosure.