Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$233,178Cash toward the purchase price.
Closing costs + prepaids$10,306Not just lender fees.
Before credits & paid funds$243,484The complete starting cash picture.
Estimated remaining funds due at closing
$243,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,178.09
Your down payment$233,178.09
Closing costs + prepaids$10,306.08
Total buyer cash needed$243,484.17
Remaining funds due$243,484.17
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%)$529.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$847.50
Prepaid interest, first (28 days)$321.47
Fees + prepaids$10,306.08
Your down payment is the seller’s equity. You take over the $105,822 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $243,484.17 is due at closing. Uses and sources reconcile at $349,306.08 each. Not a Closing Disclosure.