Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$90,948Cash toward the purchase price.
Closing costs + prepaids$11,136Not just lender fees.
Before credits & paid funds$102,084The complete starting cash picture.
Estimated remaining funds due at closing
$102,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,948.41
Your down payment$90,948.41
Closing costs + prepaids$11,136.05
Total buyer cash needed$102,084.46
Remaining funds due$102,084.46
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%)$3,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,240.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$654.75
Prepaid interest, first (27 days)$633.04
Fees + prepaids$11,136.05
Your down payment is the seller’s equity. You take over the $248,052 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $102,084.46 is due at closing. Uses and sources reconcile at $350,136.05 each. Not a Closing Disclosure.