Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$122,521Cash toward the purchase price.
Closing costs + prepaids$10,825Not just lender fees.
Before credits & paid funds$133,346The complete starting cash picture.
Estimated remaining funds due at closing
$133,346No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,520.84
Your down payment$122,520.84
Closing costs + prepaids$10,825.03
Total buyer cash needed$133,345.87
Remaining funds due$133,345.87
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%)$1,032.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$699.50
Initial HOA (3 months)$200.01
Prepaid interest, first (23 days)$385.13
Fees + prepaids$10,825.03
Your down payment is the seller’s equity. You take over the $206,479 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $133,345.87 is due at closing. Uses and sources reconcile at $339,825.03 each. Not a Closing Disclosure.