Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$242,043Cash toward the purchase price.
Closing costs + prepaids$10,854Not just lender fees.
Before credits & paid funds$252,896The complete starting cash picture.
Estimated remaining funds due at closing
$252,896No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$242,042.55
Your down payment$242,042.55
Closing costs + prepaids$10,853.81
Total buyer cash needed$252,896.37
Remaining funds due$252,896.37
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%)$3,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$484.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,166.75
Initial HOA (3 months)$150.00
Prepaid interest, first (25 days)$444.28
Fees + prepaids$10,853.81
Your down payment is the seller’s equity. You take over the $96,957 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $252,896.37 is due at closing. Uses and sources reconcile at $349,853.81 each. Not a Closing Disclosure.