Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$183,333Cash toward the purchase price.
Closing costs + prepaids$10,628Not just lender fees.
Before credits & paid funds$193,960The complete starting cash picture.
Estimated remaining funds due at closing
$193,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,332.61
Your down payment$183,332.61
Closing costs + prepaids$10,627.68
Total buyer cash needed$193,960.30
Remaining funds due$193,960.30
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%)$3,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$782.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$677.25
Initial HOA (3 months)$105.00
Prepaid interest, first (28 days)$445.60
Fees + prepaids$10,627.68
Your down payment is the seller’s equity. You take over the $156,567 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $193,960.30 is due at closing. Uses and sources reconcile at $350,527.68 each. Not a Closing Disclosure.