Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$121,016Cash toward the purchase price.
Closing costs + prepaids$10,775Not just lender fees.
Before credits & paid funds$131,792The complete starting cash picture.
Estimated remaining funds due at closing
$131,792No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,016.48
Your down payment$121,016.48
Closing costs + prepaids$10,775.26
Total buyer cash needed$131,791.74
Remaining funds due$131,791.74
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%)$3,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,019.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$257.25
Prepaid interest, first (27 days)$1,031.59
Fees + prepaids$10,775.26
Your down payment is the seller’s equity. You take over the $203,884 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $131,791.74 is due at closing. Uses and sources reconcile at $335,675.26 each. Not a Closing Disclosure.