Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$86,540Cash toward the purchase price.
Closing costs + prepaids$12,052Not just lender fees.
Before credits & paid funds$98,592The complete starting cash picture.
Estimated remaining funds due at closing
$98,592No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,539.93
Your down payment$86,539.93
Closing costs + prepaids$12,052.38
Total buyer cash needed$98,592.30
Remaining funds due$98,592.30
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%)$3,385.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,259.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$846.25
Prepaid interest, first (28 days)$1,343.33
Fees + prepaids$12,052.38
Your down payment is the seller’s equity. You take over the $251,960 balance, so the rest of the $338,500 price is paid at closing. A second mortgage can cover part of it. $98,592.30 is due at closing. Uses and sources reconcile at $350,552.38 each. Not a Closing Disclosure.