Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$121,374Cash toward the purchase price.
Closing costs + prepaids$12,209Not just lender fees.
Before credits & paid funds$133,583The complete starting cash picture.
Estimated remaining funds due at closing
$133,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,373.83
Your down payment$121,373.83
Closing costs + prepaids$12,209.32
Total buyer cash needed$133,583.15
Remaining funds due$133,583.15
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%)$3,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$938.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,096.75
Initial HOA (3 months)$981.00
Prepaid interest, first (25 days)$885.44
Fees + prepaids$12,209.32
Your down payment is the seller’s equity. You take over the $187,626 balance, so the rest of the $309,000 price is paid at closing. A second mortgage can cover part of it. $133,583.15 is due at closing. Uses and sources reconcile at $321,209.32 each. Not a Closing Disclosure.