Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$88,054Cash toward the purchase price.
Closing costs + prepaids$11,391Not just lender fees.
Before credits & paid funds$99,445The complete starting cash picture.
Estimated remaining funds due at closing
$99,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,054.35
Your down payment$88,054.35
Closing costs + prepaids$11,390.62
Total buyer cash needed$99,444.98
Remaining funds due$99,444.98
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%)$3,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,254.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$888.50
Prepaid interest, first (30 days)$639.40
Fees + prepaids$11,390.62
Your down payment is the seller’s equity. You take over the $250,946 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $99,444.98 is due at closing. Uses and sources reconcile at $350,390.62 each. Not a Closing Disclosure.