Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$125,081Cash toward the purchase price.
Closing costs + prepaids$10,760Not just lender fees.
Before credits & paid funds$135,841The complete starting cash picture.
Estimated remaining funds due at closing
$135,841No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,081.47
Your down payment$125,081.47
Closing costs + prepaids$10,759.67
Total buyer cash needed$135,841.14
Remaining funds due$135,841.14
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%)$3,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,074.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$425.00
Initial HOA (3 months)$31.26
Prepaid interest, first (17 days)$612.32
Fees + prepaids$10,759.67
Your down payment is the seller’s equity. You take over the $214,819 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $135,841.14 is due at closing. Uses and sources reconcile at $350,659.67 each. Not a Closing Disclosure.