Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$117,706Cash toward the purchase price.
Closing costs + prepaids$11,705Not just lender fees.
Before credits & paid funds$129,412The complete starting cash picture.
Estimated remaining funds due at closing
$129,412No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,706.33
Your down payment$117,706.33
Closing costs + prepaids$11,705.31
Total buyer cash needed$129,411.64
Remaining funds due$129,411.64
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%)$3,192.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,007.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,870.75
Initial HOA (3 months)$36.00
Prepaid interest, first (24 days)$380.34
Fees + prepaids$11,705.31
Your down payment is the seller’s equity. You take over the $201,544 balance, so the rest of the $319,250 price is paid at closing. A second mortgage can cover part of it. $129,411.64 is due at closing. Uses and sources reconcile at $330,955.31 each. Not a Closing Disclosure.