Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$227,989Cash toward the purchase price.
Closing costs + prepaids$9,935Not just lender fees.
Before credits & paid funds$237,924The complete starting cash picture.
Estimated remaining funds due at closing
$237,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,989.49
Your down payment$227,989.49
Closing costs + prepaids$9,934.60
Total buyer cash needed$237,924.08
Remaining funds due$237,924.08
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%)$3,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$555.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$224.00
Initial HOA (3 months)$540.00
Prepaid interest, first (1 days)$7.54
Fees + prepaids$9,934.60
Your down payment is the seller’s equity. You take over the $111,011 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $237,924.08 is due at closing. Uses and sources reconcile at $348,934.60 each. Not a Closing Disclosure.