Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$228,365Cash toward the purchase price.
Closing costs + prepaids$10,151Not just lender fees.
Before credits & paid funds$238,516The complete starting cash picture.
Estimated remaining funds due at closing
$238,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,364.92
Your down payment$228,364.92
Closing costs + prepaids$10,150.69
Total buyer cash needed$238,515.61
Remaining funds due$238,515.61
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%)$3,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$553.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$224.00
Initial HOA (3 months)$540.00
Prepaid interest, first (30 days)$225.51
Fees + prepaids$10,150.69
Your down payment is the seller’s equity. You take over the $110,635 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $238,515.61 is due at closing. Uses and sources reconcile at $349,150.69 each. Not a Closing Disclosure.