Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$188,801Cash toward the purchase price.
Closing costs + prepaids$10,606Not just lender fees.
Before credits & paid funds$199,407The complete starting cash picture.
Estimated remaining funds due at closing
$199,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,800.95
Your down payment$188,800.95
Closing costs + prepaids$10,605.62
Total buyer cash needed$199,406.58
Remaining funds due$199,406.58
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%)$3,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$755.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$849.75
Prepaid interest, first (27 days)$383.38
Fees + prepaids$10,605.62
Your down payment is the seller’s equity. You take over the $151,099 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $199,406.58 is due at closing. Uses and sources reconcile at $350,505.62 each. Not a Closing Disclosure.