Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$110,390Cash toward the purchase price.
Closing costs + prepaids$11,064Not just lender fees.
Before credits & paid funds$121,454The complete starting cash picture.
Estimated remaining funds due at closing
$121,454No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,390.36
Your down payment$110,390.36
Closing costs + prepaids$11,064.01
Total buyer cash needed$121,454.37
Remaining funds due$121,454.37
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%)$1,147.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$849.75
Prepaid interest, first (24 days)$449.71
Fees + prepaids$11,064.01
Your down payment is the seller’s equity. You take over the $229,510 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $121,454.37 is due at closing. Uses and sources reconcile at $350,964.01 each. Not a Closing Disclosure.