Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$205,716Cash toward the purchase price.
Closing costs + prepaids$9,994Not just lender fees.
Before credits & paid funds$215,710The complete starting cash picture.
Estimated remaining funds due at closing
$215,710No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,716.32
Your down payment$205,716.32
Closing costs + prepaids$9,993.71
Total buyer cash needed$215,710.03
Remaining funds due$215,710.03
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%)$670.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$690.50
Prepaid interest, first (1 days)$15.29
Fees + prepaids$9,993.71
Your down payment is the seller’s equity. You take over the $134,184 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $215,710.03 is due at closing. Uses and sources reconcile at $349,893.71 each. Not a Closing Disclosure.