Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$119,793Cash toward the purchase price.
Closing costs + prepaids$10,867Not just lender fees.
Before credits & paid funds$130,660The complete starting cash picture.
Estimated remaining funds due at closing
$130,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,792.78
Your down payment$119,792.78
Closing costs + prepaids$10,867.47
Total buyer cash needed$130,660.24
Remaining funds due$130,660.24
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%)$3,370.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,086.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$372.50
Initial HOA (3 months)$255.00
Prepaid interest, first (30 days)$565.93
Fees + prepaids$10,867.47
Your down payment is the seller’s equity. You take over the $217,207 balance, so the rest of the $337,000 price is paid at closing. A second mortgage can cover part of it. $130,660.24 is due at closing. Uses and sources reconcile at $347,867.47 each. Not a Closing Disclosure.