Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$225,796Cash toward the purchase price.
Closing costs + prepaids$10,413Not just lender fees.
Before credits & paid funds$236,209The complete starting cash picture.
Estimated remaining funds due at closing
$236,209No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,796.28
Your down payment$225,796.28
Closing costs + prepaids$10,412.63
Total buyer cash needed$236,208.92
Remaining funds due$236,208.92
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%)$566.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$847.50
Initial HOA (3 months)$69.99
Prepaid interest, first (31 days)$321.13
Fees + prepaids$10,412.63
Your down payment is the seller’s equity. You take over the $113,204 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $236,208.92 is due at closing. Uses and sources reconcile at $349,412.63 each. Not a Closing Disclosure.