Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$101,589Cash toward the purchase price.
Closing costs + prepaids$11,016Not just lender fees.
Before credits & paid funds$112,605The complete starting cash picture.
Estimated remaining funds due at closing
$112,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,589.21
Your down payment$101,589.21
Closing costs + prepaids$11,015.72
Total buyer cash needed$112,604.92
Remaining funds due$112,604.92
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%)$1,192.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$1,170.00
Prepaid interest, first (2 days)$35.66
Fees + prepaids$11,015.72
Your down payment is the seller’s equity. You take over the $238,411 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $112,604.92 is due at closing. Uses and sources reconcile at $351,015.72 each. Not a Closing Disclosure.