Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$150,415Cash toward the purchase price.
Closing costs + prepaids$10,344Not just lender fees.
Before credits & paid funds$160,758The complete starting cash picture.
Estimated remaining funds due at closing
$160,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,414.67
Your down payment$150,414.67
Closing costs + prepaids$10,343.72
Total buyer cash needed$160,758.39
Remaining funds due$160,758.39
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%)$947.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$408.00
Initial HOA (3 months)$240.00
Prepaid interest, first (9 days)$131.29
Fees + prepaids$10,343.72
Your down payment is the seller’s equity. You take over the $189,485 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $160,758.39 is due at closing. Uses and sources reconcile at $350,243.72 each. Not a Closing Disclosure.