Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$128,612Cash toward the purchase price.
Closing costs + prepaids$10,290Not just lender fees.
Before credits & paid funds$138,902The complete starting cash picture.
Estimated remaining funds due at closing
$138,902No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,611.66
Your down payment$128,611.66
Closing costs + prepaids$10,290.25
Total buyer cash needed$138,901.90
Remaining funds due$138,901.90
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%)$1,031.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$206.00
Initial HOA (3 months)$162.00
Prepaid interest, first (19 days)$322.31
Fees + prepaids$10,290.25
Your down payment is the seller’s equity. You take over the $206,388 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $138,901.90 is due at closing. Uses and sources reconcile at $345,290.25 each. Not a Closing Disclosure.