Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$122,078Cash toward the purchase price.
Closing costs + prepaids$10,595Not just lender fees.
Before credits & paid funds$132,672The complete starting cash picture.
Estimated remaining funds due at closing
$132,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,077.96
Your down payment$122,077.96
Closing costs + prepaids$10,594.54
Total buyer cash needed$132,672.50
Remaining funds due$132,672.50
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%)$3,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,064.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$565.25
Prepaid interest, first (25 days)$396.68
Fees + prepaids$10,594.54
Your down payment is the seller’s equity. You take over the $212,922 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $132,672.50 is due at closing. Uses and sources reconcile at $345,594.54 each. Not a Closing Disclosure.