Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$129,025Cash toward the purchase price.
Closing costs + prepaids$10,792Not just lender fees.
Before credits & paid funds$139,817The complete starting cash picture.
Estimated remaining funds due at closing
$139,817No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,025.38
Your down payment$129,025.38
Closing costs + prepaids$10,792.07
Total buyer cash needed$139,817.45
Remaining funds due$139,817.45
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%)$3,374.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,041.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$100.00
Prepaid interest, first (28 days)$1,058.20
Fees + prepaids$10,792.07
Your down payment is the seller’s equity. You take over the $208,375 balance, so the rest of the $337,400 price is paid at closing. A second mortgage can cover part of it. $139,817.45 is due at closing. Uses and sources reconcile at $348,192.07 each. Not a Closing Disclosure.