Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$121,321Cash toward the purchase price.
Closing costs + prepaids$10,150Not just lender fees.
Before credits & paid funds$131,471The complete starting cash picture.
Estimated remaining funds due at closing
$131,471No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,321.11
Your down payment$121,321.11
Closing costs + prepaids$10,149.63
Total buyer cash needed$131,470.74
Remaining funds due$131,470.74
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,038.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$235.50
Prepaid interest, first (23 days)$367.73
Fees + prepaids$10,149.63
Your down payment is the seller’s equity. You take over the $207,679 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $131,470.74 is due at closing. Uses and sources reconcile at $339,149.63 each. Not a Closing Disclosure.