Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$97,553Cash toward the purchase price.
Closing costs + prepaids$11,621Not just lender fees.
Before credits & paid funds$109,174The complete starting cash picture.
Estimated remaining funds due at closing
$109,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,552.88
Your down payment$97,552.88
Closing costs + prepaids$11,620.66
Total buyer cash needed$109,173.54
Remaining funds due$109,173.54
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%)$1,211.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,331.00
Prepaid interest, first (26 days)$460.92
Fees + prepaids$11,620.66
Your down payment is the seller’s equity. You take over the $242,347 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $109,173.54 is due at closing. Uses and sources reconcile at $351,520.66 each. Not a Closing Disclosure.