Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$129,246Cash toward the purchase price.
Closing costs + prepaids$10,292Not just lender fees.
Before credits & paid funds$139,538The complete starting cash picture.
Estimated remaining funds due at closing
$139,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,245.77
Your down payment$129,245.77
Closing costs + prepaids$10,291.87
Total buyer cash needed$139,537.65
Remaining funds due$139,537.65
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%)$3,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,023.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$417.50
Prepaid interest, first (16 days)$292.60
Fees + prepaids$10,291.87
Your down payment is the seller’s equity. You take over the $204,754 balance, so the rest of the $334,000 price is paid at closing. A second mortgage can cover part of it. $139,537.65 is due at closing. Uses and sources reconcile at $344,291.87 each. Not a Closing Disclosure.