Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$130,636Cash toward the purchase price.
Closing costs + prepaids$11,735Not just lender fees.
Before credits & paid funds$142,372The complete starting cash picture.
Estimated remaining funds due at closing
$142,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,636.14
Your down payment$130,636.14
Closing costs + prepaids$11,735.38
Total buyer cash needed$142,371.51
Remaining funds due$142,371.51
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%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$996.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,549.50
Initial HOA (3 months)$236.25
Prepaid interest, first (27 days)$436.31
Fees + prepaids$11,735.38
Your down payment is the seller’s equity. You take over the $199,264 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $142,371.51 is due at closing. Uses and sources reconcile at $341,635.38 each. Not a Closing Disclosure.