Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$226,749Cash toward the purchase price.
Closing costs + prepaids$10,442Not just lender fees.
Before credits & paid funds$237,191The complete starting cash picture.
Estimated remaining funds due at closing
$237,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$226,748.57
Your down payment$226,748.57
Closing costs + prepaids$10,442.08
Total buyer cash needed$237,190.66
Remaining funds due$237,190.66
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$511.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$822.50
Initial HOA (3 months)$285.00
Prepaid interest, first (28 days)$315.33
Fees + prepaids$10,442.08
Your down payment is the seller’s equity. You take over the $102,251 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $237,190.66 is due at closing. Uses and sources reconcile at $339,442.08 each. Not a Closing Disclosure.