Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$99,423Cash toward the purchase price.
Closing costs + prepaids$11,611Not just lender fees.
Before credits & paid funds$111,033The complete starting cash picture.
Estimated remaining funds due at closing
$111,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,422.66
Your down payment$99,422.66
Closing costs + prepaids$11,610.80
Total buyer cash needed$111,033.47
Remaining funds due$111,033.47
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,147.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$822.50
Prepaid interest, first (28 days)$1,132.41
Fees + prepaids$11,610.80
Your down payment is the seller’s equity. You take over the $229,577 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $111,033.47 is due at closing. Uses and sources reconcile at $340,610.80 each. Not a Closing Disclosure.