Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$205,114Cash toward the purchase price.
Closing costs + prepaids$11,223Not just lender fees.
Before credits & paid funds$216,337The complete starting cash picture.
Estimated remaining funds due at closing
$216,337No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,114.29
Your down payment$205,114.29
Closing costs + prepaids$11,223.10
Total buyer cash needed$216,337.39
Remaining funds due$216,337.39
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%)$3,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$674.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$747.25
Initial HOA (3 months)$873.00
Prepaid interest, first (30 days)$310.42
Fees + prepaids$11,223.10
Your down payment is the seller’s equity. You take over the $134,886 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $216,337.39 is due at closing. Uses and sources reconcile at $351,223.10 each. Not a Closing Disclosure.