Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$141,169Cash toward the purchase price.
Closing costs + prepaids$10,761Not just lender fees.
Before credits & paid funds$151,930The complete starting cash picture.
Estimated remaining funds due at closing
$151,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,169.35
Your down payment$141,169.35
Closing costs + prepaids$10,761.11
Total buyer cash needed$151,930.46
Remaining funds due$151,930.46
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%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$943.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$824.75
Prepaid interest, first (25 days)$475.70
Fees + prepaids$10,761.11
Your down payment is the seller’s equity. You take over the $188,731 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $151,930.46 is due at closing. Uses and sources reconcile at $340,661.11 each. Not a Closing Disclosure.