Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$141,934Cash toward the purchase price.
Closing costs + prepaids$10,498Not just lender fees.
Before credits & paid funds$152,432The complete starting cash picture.
Estimated remaining funds due at closing
$152,432No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,933.52
Your down payment$141,933.52
Closing costs + prepaids$10,498.16
Total buyer cash needed$152,431.68
Remaining funds due$152,431.68
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%)$3,399.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$990.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$431.25
Prepaid interest, first (27 days)$458.59
Fees + prepaids$10,498.16
Your down payment is the seller’s equity. You take over the $198,065 balance, so the rest of the $339,999 price is paid at closing. A second mortgage can cover part of it. $152,431.68 is due at closing. Uses and sources reconcile at $350,497.16 each. Not a Closing Disclosure.