Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$239,089Cash toward the purchase price.
Closing costs + prepaids$9,590Not just lender fees.
Before credits & paid funds$248,679The complete starting cash picture.
Estimated remaining funds due at closing
$248,679No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$239,089.03
Your down payment$239,089.03
Closing costs + prepaids$9,590.11
Total buyer cash needed$248,679.14
Remaining funds due$248,679.14
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%)$3,269.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$439.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$402.50
Prepaid interest, first (24 days)$261.56
Fees + prepaids$9,590.11
Your down payment is the seller’s equity. You take over the $87,811 balance, so the rest of the $326,900 price is paid at closing. A second mortgage can cover part of it. $248,679.14 is due at closing. Uses and sources reconcile at $336,490.11 each. Not a Closing Disclosure.