Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$150,734Cash toward the purchase price.
Closing costs + prepaids$12,927Not just lender fees.
Before credits & paid funds$163,661The complete starting cash picture.
Estimated remaining funds due at closing
$163,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,733.88
Your down payment$150,733.88
Closing costs + prepaids$12,927.28
Total buyer cash needed$163,661.16
Remaining funds due$163,661.16
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%)$946.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,029.25
Initial HOA (3 months)$882.00
Prepaid interest, first (31 days)$451.70
Fees + prepaids$12,927.28
Your down payment is the seller’s equity. You take over the $189,266 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $163,661.16 is due at closing. Uses and sources reconcile at $352,927.28 each. Not a Closing Disclosure.