Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$148,586Cash toward the purchase price.
Closing costs + prepaids$10,365Not just lender fees.
Before credits & paid funds$158,951The complete starting cash picture.
Estimated remaining funds due at closing
$158,951No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,585.70
Your down payment$148,585.70
Closing costs + prepaids$10,365.01
Total buyer cash needed$158,950.71
Remaining funds due$158,950.71
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%)$956.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$369.50
Prepaid interest, first (25 days)$421.94
Fees + prepaids$10,365.01
Your down payment is the seller’s equity. You take over the $191,314 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $158,950.71 is due at closing. Uses and sources reconcile at $350,265.01 each. Not a Closing Disclosure.