Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$106,416Cash toward the purchase price.
Closing costs + prepaids$11,134Not just lender fees.
Before credits & paid funds$117,550The complete starting cash picture.
Estimated remaining funds due at closing
$117,550No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,415.54
Your down payment$106,415.54
Closing costs + prepaids$11,134.45
Total buyer cash needed$117,549.99
Remaining funds due$117,549.99
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%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,117.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,068.00
Prepaid interest, first (24 days)$432.03
Fees + prepaids$11,134.45
Your down payment is the seller’s equity. You take over the $223,484 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $117,549.99 is due at closing. Uses and sources reconcile at $341,034.45 each. Not a Closing Disclosure.