Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$111,919Cash toward the purchase price.
Closing costs + prepaids$11,597Not just lender fees.
Before credits & paid funds$123,516The complete starting cash picture.
Estimated remaining funds due at closing
$123,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,919.07
Your down payment$111,919.07
Closing costs + prepaids$11,596.91
Total buyer cash needed$123,515.98
Remaining funds due$123,515.98
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%)$3,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,130.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$845.00
Initial HOA (3 months)$49.50
Prepaid interest, first (25 days)$974.01
Fees + prepaids$11,596.91
Your down payment is the seller’s equity. You take over the $226,081 balance, so the rest of the $338,000 price is paid at closing. A second mortgage can cover part of it. $123,515.98 is due at closing. Uses and sources reconcile at $349,596.91 each. Not a Closing Disclosure.