Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$89,919Cash toward the purchase price.
Closing costs + prepaids$10,979Not just lender fees.
Before credits & paid funds$100,897The complete starting cash picture.
Estimated remaining funds due at closing
$100,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,918.51
Your down payment$89,918.51
Closing costs + prepaids$10,978.98
Total buyer cash needed$100,897.49
Remaining funds due$100,897.49
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%)$1,199.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$182.75
Prepaid interest, first (24 days)$1,079.32
Fees + prepaids$10,978.98
Your down payment is the seller’s equity. You take over the $239,981 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $100,897.49 is due at closing. Uses and sources reconcile at $340,878.98 each. Not a Closing Disclosure.