Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$118,839Cash toward the purchase price.
Closing costs + prepaids$10,768Not just lender fees.
Before credits & paid funds$129,608The complete starting cash picture.
Estimated remaining funds due at closing
$129,608No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,839.35
Your down payment$118,839.35
Closing costs + prepaids$10,768.26
Total buyer cash needed$129,607.62
Remaining funds due$129,607.62
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%)$1,105.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$512.75
Prepaid interest, first (31 days)$533.21
Fees + prepaids$10,768.26
Your down payment is the seller’s equity. You take over the $221,061 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $129,607.62 is due at closing. Uses and sources reconcile at $350,668.26 each. Not a Closing Disclosure.