Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$224,164Cash toward the purchase price.
Closing costs + prepaids$9,928Not just lender fees.
Before credits & paid funds$234,092The complete starting cash picture.
Estimated remaining funds due at closing
$234,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,164.09
Your down payment$224,164.09
Closing costs + prepaids$9,928.37
Total buyer cash needed$234,092.46
Remaining funds due$234,092.46
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%)$528.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$624.75
Prepaid interest, first (24 days)$257.94
Fees + prepaids$9,928.37
Your down payment is the seller’s equity. You take over the $105,736 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $234,092.46 is due at closing. Uses and sources reconcile at $339,828.37 each. Not a Closing Disclosure.