Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$20,417Cash toward the purchase price.
Closing costs + prepaids$11,302Not just lender fees.
Before credits & paid funds$31,719The complete starting cash picture.
Estimated remaining funds due at closing
$31,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,416.61
Your down payment$20,416.61
Closing costs + prepaids$11,302.31
Total buyer cash needed$31,718.92
Remaining funds due$31,718.92
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%)$1,597.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$299.25
Prepaid interest, first (31 days)$787.14
Fees + prepaids$11,302.31
Your down payment is the seller’s equity. You take over the $319,583 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $31,718.92 is due at closing. Uses and sources reconcile at $351,302.31 each. Not a Closing Disclosure.