Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$184,453Cash toward the purchase price.
Closing costs + prepaids$10,598Not just lender fees.
Before credits & paid funds$195,051The complete starting cash picture.
Estimated remaining funds due at closing
$195,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,452.86
Your down payment$184,452.86
Closing costs + prepaids$10,598.45
Total buyer cash needed$195,051.31
Remaining funds due$195,051.31
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%)$777.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$849.75
Prepaid interest, first (29 days)$354.46
Fees + prepaids$10,598.45
Your down payment is the seller’s equity. You take over the $155,447 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $195,051.31 is due at closing. Uses and sources reconcile at $350,498.45 each. Not a Closing Disclosure.