Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$103,938Cash toward the purchase price.
Closing costs + prepaids$10,652Not just lender fees.
Before credits & paid funds$114,591The complete starting cash picture.
Estimated remaining funds due at closing
$114,591No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,938.44
Your down payment$103,938.44
Closing costs + prepaids$10,652.11
Total buyer cash needed$114,590.55
Remaining funds due$114,590.55
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%)$1,179.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$425.00
Initial HOA (3 months)$105.00
Prepaid interest, first (17 days)$325.30
Fees + prepaids$10,652.11
Your down payment is the seller’s equity. You take over the $235,962 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $114,590.55 is due at closing. Uses and sources reconcile at $350,552.11 each. Not a Closing Disclosure.