Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$214,864Cash toward the purchase price.
Closing costs + prepaids$10,312Not just lender fees.
Before credits & paid funds$225,176The complete starting cash picture.
Estimated remaining funds due at closing
$225,176No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,863.98
Your down payment$214,863.98
Closing costs + prepaids$10,312.10
Total buyer cash needed$225,176.09
Remaining funds due$225,176.09
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%)$3,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$595.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$979.00
Prepaid interest, first (23 days)$179.42
Fees + prepaids$10,312.10
Your down payment is the seller’s equity. You take over the $119,136 balance, so the rest of the $334,000 price is paid at closing. A second mortgage can cover part of it. $225,176.09 is due at closing. Uses and sources reconcile at $344,312.10 each. Not a Closing Disclosure.