Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$153,110Cash toward the purchase price.
Closing costs + prepaids$10,443Not just lender fees.
Before credits & paid funds$163,553The complete starting cash picture.
Estimated remaining funds due at closing
$163,553No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,109.77
Your down payment$153,109.77
Closing costs + prepaids$10,443.08
Total buyer cash needed$163,552.85
Remaining funds due$163,552.85
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%)$3,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$929.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$396.50
Initial HOA (3 months)$129.00
Prepaid interest, first (24 days)$380.13
Fees + prepaids$10,443.08
Your down payment is the seller’s equity. You take over the $185,890 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $163,552.85 is due at closing. Uses and sources reconcile at $349,443.08 each. Not a Closing Disclosure.