Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$198,592Cash toward the purchase price.
Closing costs + prepaids$10,642Not just lender fees.
Before credits & paid funds$209,234The complete starting cash picture.
Estimated remaining funds due at closing
$209,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,592.08
Your down payment$198,592.08
Closing costs + prepaids$10,642.25
Total buyer cash needed$209,234.33
Remaining funds due$209,234.33
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%)$3,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$707.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$698.25
Initial HOA (3 months)$210.00
Prepaid interest, first (29 days)$408.96
Fees + prepaids$10,642.25
Your down payment is the seller’s equity. You take over the $141,408 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $209,234.33 is due at closing. Uses and sources reconcile at $350,642.25 each. Not a Closing Disclosure.