Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$125,563Cash toward the purchase price.
Closing costs + prepaids$10,028Not just lender fees.
Before credits & paid funds$135,591The complete starting cash picture.
Estimated remaining funds due at closing
$135,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,562.70
Your down payment$125,562.70
Closing costs + prepaids$10,028.27
Total buyer cash needed$135,590.96
Remaining funds due$135,590.96
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%)$3,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,022.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$396.00
Prepaid interest, first (6 days)$92.08
Fees + prepaids$10,028.27
Your down payment is the seller’s equity. You take over the $204,437 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $135,590.96 is due at closing. Uses and sources reconcile at $340,028.27 each. Not a Closing Disclosure.