Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$136,039Cash toward the purchase price.
Closing costs + prepaids$11,011Not just lender fees.
Before credits & paid funds$147,050The complete starting cash picture.
Estimated remaining funds due at closing
$147,050No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,039.39
Your down payment$136,039.39
Closing costs + prepaids$11,010.75
Total buyer cash needed$147,050.14
Remaining funds due$147,050.14
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%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$969.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$906.25
Initial HOA (3 months)$260.01
Prepaid interest, first (24 days)$358.19
Fees + prepaids$11,010.75
Your down payment is the seller’s equity. You take over the $193,861 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $147,050.14 is due at closing. Uses and sources reconcile at $340,910.75 each. Not a Closing Disclosure.