Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$132,494Cash toward the purchase price.
Closing costs + prepaids$10,499Not just lender fees.
Before credits & paid funds$142,992The complete starting cash picture.
Estimated remaining funds due at closing
$142,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,493.50
Your down payment$132,493.50
Closing costs + prepaids$10,498.59
Total buyer cash needed$142,992.09
Remaining funds due$142,992.09
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%)$1,032.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$268.75
Prepaid interest, first (31 days)$589.31
Fees + prepaids$10,498.59
Your down payment is the seller’s equity. You take over the $206,506 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $142,992.09 is due at closing. Uses and sources reconcile at $349,498.59 each. Not a Closing Disclosure.