Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$139,808Cash toward the purchase price.
Closing costs + prepaids$10,957Not just lender fees.
Before credits & paid funds$150,765The complete starting cash picture.
Estimated remaining funds due at closing
$150,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,808.43
Your down payment$139,808.43
Closing costs + prepaids$10,956.63
Total buyer cash needed$150,765.06
Remaining funds due$150,765.06
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$945.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$618.75
Initial HOA (3 months)$434.01
Prepaid interest, first (31 days)$449.91
Fees + prepaids$10,956.63
Your down payment is the seller’s equity. You take over the $189,192 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $150,765.06 is due at closing. Uses and sources reconcile at $339,956.63 each. Not a Closing Disclosure.