Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$173,557Cash toward the purchase price.
Closing costs + prepaids$10,373Not just lender fees.
Before credits & paid funds$183,930The complete starting cash picture.
Estimated remaining funds due at closing
$183,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,557.19
Your down payment$173,557.19
Closing costs + prepaids$10,373.15
Total buyer cash needed$183,930.34
Remaining funds due$183,930.34
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%)$831.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$495.50
Prepaid interest, first (26 days)$428.94
Fees + prepaids$10,373.15
Your down payment is the seller’s equity. You take over the $166,343 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $183,930.34 is due at closing. Uses and sources reconcile at $350,273.15 each. Not a Closing Disclosure.