Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$124,814Cash toward the purchase price.
Closing costs + prepaids$10,808Not just lender fees.
Before credits & paid funds$135,622The complete starting cash picture.
Estimated remaining funds due at closing
$135,622No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,813.81
Your down payment$124,813.81
Closing costs + prepaids$10,808.37
Total buyer cash needed$135,622.18
Remaining funds due$135,622.18
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%)$3,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,025.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$825.00
Initial HOA (3 months)$37.50
Prepaid interest, first (25 days)$401.94
Fees + prepaids$10,808.37
Your down payment is the seller’s equity. You take over the $205,186 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $135,622.18 is due at closing. Uses and sources reconcile at $340,808.37 each. Not a Closing Disclosure.