Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$99,988Cash toward the purchase price.
Closing costs + prepaids$11,204Not just lender fees.
Before credits & paid funds$111,191The complete starting cash picture.
Estimated remaining funds due at closing
$111,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,987.65
Your down payment$99,987.65
Closing costs + prepaids$11,203.65
Total buyer cash needed$111,191.30
Remaining funds due$111,191.30
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%)$1,149.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$351.50
Initial HOA (3 months)$756.00
Prepaid interest, first (22 days)$429.59
Fees + prepaids$11,203.65
Your down payment is the seller’s equity. You take over the $229,912 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $111,191.30 is due at closing. Uses and sources reconcile at $341,103.65 each. Not a Closing Disclosure.