Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$122,078Cash toward the purchase price.
Closing costs + prepaids$10,273Not just lender fees.
Before credits & paid funds$132,351The complete starting cash picture.
Estimated remaining funds due at closing
$132,351No 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$10,273.50
Total buyer cash needed$132,351.46
Remaining funds due$132,351.46
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)$418.75
Prepaid interest, first (14 days)$222.14
Fees + prepaids$10,273.50
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. $132,351.46 is due at closing. Uses and sources reconcile at $345,273.50 each. Not a Closing Disclosure.