Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$117,466Cash toward the purchase price.
Closing costs + prepaids$11,519Not just lender fees.
Before credits & paid funds$128,985The complete starting cash picture.
Estimated remaining funds due at closing
$128,985No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,465.86
Your down payment$117,465.86
Closing costs + prepaids$11,519.28
Total buyer cash needed$128,985.14
Remaining funds due$128,985.14
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%)$3,299.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,062.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,587.25
Initial HOA (3 months)$57.00
Prepaid interest, first (18 days)$294.51
Fees + prepaids$11,519.28
Your down payment is the seller’s equity. You take over the $212,524 balance, so the rest of the $329,990 price is paid at closing. A second mortgage can cover part of it. $128,985.14 is due at closing. Uses and sources reconcile at $341,509.28 each. Not a Closing Disclosure.