Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$242,305Cash toward the purchase price.
Closing costs + prepaids$9,916Not just lender fees.
Before credits & paid funds$252,222The complete starting cash picture.
Estimated remaining funds due at closing
$252,222No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$242,305.34
Your down payment$242,305.34
Closing costs + prepaids$9,916.50
Total buyer cash needed$252,221.84
Remaining funds due$252,221.84
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%)$487.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$522.75
Prepaid interest, first (27 days)$288.77
Fees + prepaids$9,916.50
Your down payment is the seller’s equity. You take over the $97,595 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $252,221.84 is due at closing. Uses and sources reconcile at $349,816.50 each. Not a Closing Disclosure.