Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$112,987Cash toward the purchase price.
Closing costs + prepaids$12,663Not just lender fees.
Before credits & paid funds$125,650The complete starting cash picture.
Estimated remaining funds due at closing
$125,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$112,986.56
Your down payment$112,986.56
Closing costs + prepaids$12,663.37
Total buyer cash needed$125,649.93
Remaining funds due$125,649.93
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%)$3,399.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,134.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,530.75
Prepaid interest, first (22 days)$380.30
Fees + prepaids$12,663.37
Your down payment is the seller’s equity. You take over the $226,963 balance, so the rest of the $339,950 price is paid at closing. A second mortgage can cover part of it. $125,649.93 is due at closing. Uses and sources reconcile at $352,613.37 each. Not a Closing Disclosure.