Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$228,257Cash toward the purchase price.
Closing costs + prepaids$9,703Not just lender fees.
Before credits & paid funds$237,960The complete starting cash picture.
Estimated remaining funds due at closing
$237,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$228,257.26
Your down payment$228,257.26
Closing costs + prepaids$9,702.89
Total buyer cash needed$237,960.15
Remaining funds due$237,960.15
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%)$3,380.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$548.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$422.50
Prepaid interest, first (13 days)$133.68
Fees + prepaids$9,702.89
Your down payment is the seller’s equity. You take over the $109,743 balance, so the rest of the $338,000 price is paid at closing. A second mortgage can cover part of it. $237,960.15 is due at closing. Uses and sources reconcile at $347,702.89 each. Not a Closing Disclosure.