Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$123,510Cash toward the purchase price.
Closing costs + prepaids$10,686Not just lender fees.
Before credits & paid funds$134,197The complete starting cash picture.
Estimated remaining funds due at closing
$134,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,510.31
Your down payment$123,510.31
Closing costs + prepaids$10,686.43
Total buyer cash needed$134,196.74
Remaining funds due$134,196.74
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%)$3,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,057.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$413.00
Initial HOA (3 months)$225.00
Prepaid interest, first (20 days)$422.98
Fees + prepaids$10,686.43
Your down payment is the seller’s equity. You take over the $211,490 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $134,196.74 is due at closing. Uses and sources reconcile at $345,686.43 each. Not a Closing Disclosure.