Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$102,972Cash toward the purchase price.
Closing costs + prepaids$11,765Not just lender fees.
Before credits & paid funds$114,737The complete starting cash picture.
Estimated remaining funds due at closing
$114,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,971.54
Your down payment$102,971.54
Closing costs + prepaids$11,765.05
Total buyer cash needed$114,736.58
Remaining funds due$114,736.58
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%)$1,175.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$845.00
Initial HOA (3 months)$648.00
Prepaid interest, first (26 days)$498.90
Fees + prepaids$11,765.05
Your down payment is the seller’s equity. You take over the $235,028 balance, so the rest of the $338,000 price is paid at closing. A second mortgage can cover part of it. $114,736.58 is due at closing. Uses and sources reconcile at $349,765.05 each. Not a Closing Disclosure.