Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$71,984Cash toward the purchase price.
Closing costs + prepaids$10,369Not just lender fees.
Before credits & paid funds$82,353The complete starting cash picture.
Estimated remaining funds due at closing
$82,353No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,984.49
Your down payment$71,984.49
Closing costs + prepaids$10,368.68
Total buyer cash needed$82,353.17
Remaining funds due$82,353.17
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%)$1,339.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$359.25
Prepaid interest, first (2 days)$52.85
Fees + prepaids$10,368.68
Your down payment is the seller’s equity. You take over the $267,916 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $82,353.17 is due at closing. Uses and sources reconcile at $350,268.68 each. Not a Closing Disclosure.