Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$121,109Cash toward the purchase price.
Closing costs + prepaids$10,941Not just lender fees.
Before credits & paid funds$132,050The complete starting cash picture.
Estimated remaining funds due at closing
$132,050No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,108.89
Your down payment$121,108.89
Closing costs + prepaids$10,941.22
Total buyer cash needed$132,050.11
Remaining funds due$132,050.11
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%)$3,320.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,054.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$887.00
Prepaid interest, first (27 days)$461.76
Fees + prepaids$10,941.22
Your down payment is the seller’s equity. You take over the $210,891 balance, so the rest of the $332,000 price is paid at closing. A second mortgage can cover part of it. $132,050.11 is due at closing. Uses and sources reconcile at $342,941.22 each. Not a Closing Disclosure.