Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$121,818Cash toward the purchase price.
Closing costs + prepaids$10,354Not just lender fees.
Before credits & paid funds$132,171The complete starting cash picture.
Estimated remaining funds due at closing
$132,171No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,817.92
Your down payment$121,817.92
Closing costs + prepaids$10,353.57
Total buyer cash needed$132,171.49
Remaining funds due$132,171.49
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%)$1,065.91
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)$300.91
Fees + prepaids$10,353.57
Your down payment is the seller’s equity. You take over the $213,182 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $132,171.49 is due at closing. Uses and sources reconcile at $345,353.57 each. Not a Closing Disclosure.