Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$187,246Cash toward the purchase price.
Closing costs + prepaids$9,792Not just lender fees.
Before credits & paid funds$197,038The complete starting cash picture.
Estimated remaining funds due at closing
$197,038No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,246.22
Your down payment$187,246.22
Closing costs + prepaids$9,791.72
Total buyer cash needed$197,037.95
Remaining funds due$197,037.95
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%)$713.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$247.50
Prepaid interest, first (29 days)$313.96
Fees + prepaids$9,791.72
Your down payment is the seller’s equity. You take over the $142,654 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $197,037.95 is due at closing. Uses and sources reconcile at $339,691.72 each. Not a Closing Disclosure.