Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$124,200Cash toward the purchase price.
Closing costs + prepaids$11,296Not just lender fees.
Before credits & paid funds$135,496The complete starting cash picture.
Estimated remaining funds due at closing
$135,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,199.88
Your down payment$124,199.88
Closing costs + prepaids$11,295.78
Total buyer cash needed$135,495.66
Remaining funds due$135,495.66
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%)$3,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,069.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$405.50
Initial HOA (3 months)$1,095.00
Prepaid interest, first (6 days)$128.28
Fees + prepaids$11,295.78
Your down payment is the seller’s equity. You take over the $213,800 balance, so the rest of the $338,000 price is paid at closing. A second mortgage can cover part of it. $135,495.66 is due at closing. Uses and sources reconcile at $349,295.78 each. Not a Closing Disclosure.