Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$116,965Cash toward the purchase price.
Closing costs + prepaids$10,345Not just lender fees.
Before credits & paid funds$127,310The complete starting cash picture.
Estimated remaining funds due at closing
$127,310No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,964.98
Your down payment$116,964.98
Closing costs + prepaids$10,345.42
Total buyer cash needed$127,310.40
Remaining funds due$127,310.40
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%)$1,064.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$220.50
Prepaid interest, first (24 days)$543.25
Fees + prepaids$10,345.42
Your down payment is the seller’s equity. You take over the $212,935 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $127,310.40 is due at closing. Uses and sources reconcile at $340,245.42 each. Not a Closing Disclosure.