Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$209,611Cash toward the purchase price.
Closing costs + prepaids$9,903Not just lender fees.
Before credits & paid funds$219,514The complete starting cash picture.
Estimated remaining funds due at closing
$219,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,610.76
Your down payment$209,610.76
Closing costs + prepaids$9,903.19
Total buyer cash needed$219,513.96
Remaining funds due$219,513.96
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%)$646.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$624.00
Prepaid interest, first (2 days)$24.25
Fees + prepaids$9,903.19
Your down payment is the seller’s equity. You take over the $129,389 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $219,513.96 is due at closing. Uses and sources reconcile at $348,903.19 each. Not a Closing Disclosure.