Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$68,650Cash toward the purchase price.
Closing costs + prepaids$11,387Not just lender fees.
Before credits & paid funds$80,037The complete starting cash picture.
Estimated remaining funds due at closing
$80,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,649.92
Your down payment$68,649.92
Closing costs + prepaids$11,387.00
Total buyer cash needed$80,036.92
Remaining funds due$80,036.92
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%)$1,356.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$234.00
Prepaid interest, first (25 days)$1,179.75
Fees + prepaids$11,387.00
Your down payment is the seller’s equity. You take over the $271,250 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $80,036.92 is due at closing. Uses and sources reconcile at $351,287.00 each. Not a Closing Disclosure.