Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$9,723Cash toward the purchase price.
Closing costs + prepaids$12,465Not just lender fees.
Before credits & paid funds$22,188The complete starting cash picture.
Estimated remaining funds due at closing
$22,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,722.69
Your down payment$9,722.69
Closing costs + prepaids$12,464.89
Total buyer cash needed$22,187.58
Remaining funds due$22,187.58
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%)$1,651.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$375.00
Prepaid interest, first (31 days)$1,820.51
Fees + prepaids$12,464.89
Your down payment is the seller’s equity. You take over the $330,277 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $22,187.58 is due at closing. Uses and sources reconcile at $352,464.89 each. Not a Closing Disclosure.