Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$85,280Cash toward the purchase price.
Closing costs + prepaids$11,606Not just lender fees.
Before credits & paid funds$96,886The complete starting cash picture.
Estimated remaining funds due at closing
$96,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,279.68
Your down payment$85,279.68
Closing costs + prepaids$11,606.39
Total buyer cash needed$96,886.06
Remaining funds due$96,886.06
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%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,223.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,226.25
Prepaid interest, first (25 days)$640.03
Fees + prepaids$11,606.39
Your down payment is the seller’s equity. You take over the $244,620 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $96,886.06 is due at closing. Uses and sources reconcile at $341,506.39 each. Not a Closing Disclosure.