Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$115,296Cash toward the purchase price.
Closing costs + prepaids$11,089Not just lender fees.
Before credits & paid funds$126,386The complete starting cash picture.
Estimated remaining funds due at closing
$126,386No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,296.22
Your down payment$115,296.22
Closing costs + prepaids$11,089.30
Total buyer cash needed$126,385.52
Remaining funds due$126,385.52
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%)$3,299.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,073.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$350.75
Prepaid interest, first (30 days)$1,147.04
Fees + prepaids$11,089.30
Your down payment is the seller’s equity. You take over the $214,703 balance, so the rest of the $329,999 price is paid at closing. A second mortgage can cover part of it. $126,385.52 is due at closing. Uses and sources reconcile at $341,088.30 each. Not a Closing Disclosure.