Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$211,489Cash toward the purchase price.
Closing costs + prepaids$10,173Not just lender fees.
Before credits & paid funds$221,662The complete starting cash picture.
Estimated remaining funds due at closing
$221,662No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,489.47
Your down payment$211,489.47
Closing costs + prepaids$10,172.60
Total buyer cash needed$221,662.06
Remaining funds due$221,662.06
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%)$3,320.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$602.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$661.50
Prepaid interest, first (29 days)$370.55
Fees + prepaids$10,172.60
Your down payment is the seller’s equity. You take over the $120,511 balance, so the rest of the $332,000 price is paid at closing. A second mortgage can cover part of it. $221,662.06 is due at closing. Uses and sources reconcile at $342,172.60 each. Not a Closing Disclosure.