Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$32,842Cash toward the purchase price.
Closing costs + prepaids$12,278Not just lender fees.
Before credits & paid funds$45,120The complete starting cash picture.
Estimated remaining funds due at closing
$45,120No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,842.15
Your down payment$32,842.15
Closing costs + prepaids$12,278.10
Total buyer cash needed$45,120.24
Remaining funds due$45,120.24
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%)$1,535.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$421.25
Initial HOA (3 months)$1,680.00
Prepaid interest, first (1 days)$23.06
Fees + prepaids$12,278.10
Your down payment is the seller’s equity. You take over the $307,158 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $45,120.24 is due at closing. Uses and sources reconcile at $352,278.10 each. Not a Closing Disclosure.