Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$189,222Cash toward the purchase price.
Closing costs + prepaids$9,948Not just lender fees.
Before credits & paid funds$199,170The complete starting cash picture.
Estimated remaining funds due at closing
$199,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$189,221.86
Your down payment$189,221.86
Closing costs + prepaids$9,947.78
Total buyer cash needed$199,169.63
Remaining funds due$199,169.63
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%)$698.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$249.75
Prepaid interest, first (27 days)$491.14
Fees + prepaids$9,947.78
Your down payment is the seller’s equity. You take over the $139,778 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $199,169.63 is due at closing. Uses and sources reconcile at $338,947.78 each. Not a Closing Disclosure.