Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$71,218Cash toward the purchase price.
Closing costs + prepaids$10,442Not just lender fees.
Before credits & paid funds$81,660The complete starting cash picture.
Estimated remaining funds due at closing
$81,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,217.89
Your down payment$71,217.89
Closing costs + prepaids$10,442.42
Total buyer cash needed$81,660.30
Remaining funds due$81,660.30
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%)$1,343.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$437.25
Prepaid interest, first (2 days)$44.76
Fees + prepaids$10,442.42
Your down payment is the seller’s equity. You take over the $268,682 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $81,660.30 is due at closing. Uses and sources reconcile at $350,342.42 each. Not a Closing Disclosure.