Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$121,364Cash toward the purchase price.
Closing costs + prepaids$10,377Not just lender fees.
Before credits & paid funds$131,740The complete starting cash picture.
Estimated remaining funds due at closing
$131,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,363.51
Your down payment$121,363.51
Closing costs + prepaids$10,376.72
Total buyer cash needed$131,740.23
Remaining funds due$131,740.23
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%)$3,339.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,062.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$315.25
Prepaid interest, first (27 days)$441.78
Fees + prepaids$10,376.72
Your down payment is the seller’s equity. You take over the $212,536 balance, so the rest of the $333,900 price is paid at closing. A second mortgage can cover part of it. $131,740.23 is due at closing. Uses and sources reconcile at $344,276.72 each. Not a Closing Disclosure.