Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$151,166Cash toward the purchase price.
Closing costs + prepaids$10,900Not just lender fees.
Before credits & paid funds$162,066The complete starting cash picture.
Estimated remaining funds due at closing
$162,066No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,166.16
Your down payment$151,166.16
Closing costs + prepaids$10,900.31
Total buyer cash needed$162,066.48
Remaining funds due$162,066.48
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%)$943.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$849.75
Initial HOA (3 months)$24.99
Prepaid interest, first (27 days)$464.91
Fees + prepaids$10,900.31
Your down payment is the seller’s equity. You take over the $188,734 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $162,066.48 is due at closing. Uses and sources reconcile at $350,800.31 each. Not a Closing Disclosure.