Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$205,380Cash toward the purchase price.
Closing costs + prepaids$11,418Not just lender fees.
Before credits & paid funds$216,798The complete starting cash picture.
Estimated remaining funds due at closing
$216,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,380.39
Your down payment$205,380.39
Closing costs + prepaids$11,417.73
Total buyer cash needed$216,798.11
Remaining funds due$216,798.11
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%)$3,320.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$633.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$768.75
Initial HOA (3 months)$795.00
Prepaid interest, first (31 days)$682.88
Fees + prepaids$11,417.73
Your down payment is the seller’s equity. You take over the $126,620 balance, so the rest of the $332,000 price is paid at closing. A second mortgage can cover part of it. $216,798.11 is due at closing. Uses and sources reconcile at $343,417.73 each. Not a Closing Disclosure.