Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$195,303Cash toward the purchase price.
Closing costs + prepaids$9,975Not just lender fees.
Before credits & paid funds$205,278The complete starting cash picture.
Estimated remaining funds due at closing
$205,278No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,303.46
Your down payment$195,303.46
Closing costs + prepaids$9,974.79
Total buyer cash needed$205,278.25
Remaining funds due$205,278.25
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%)$3,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$697.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$52.25
Initial HOA (3 months)$225.00
Prepaid interest, first (29 days)$432.56
Fees + prepaids$9,974.79
Your down payment is the seller’s equity. You take over the $139,597 balance, so the rest of the $334,900 price is paid at closing. A second mortgage can cover part of it. $205,278.25 is due at closing. Uses and sources reconcile at $344,874.79 each. Not a Closing Disclosure.