Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$250,312Cash toward the purchase price.
Closing costs + prepaids$10,762Not just lender fees.
Before credits & paid funds$261,074The complete starting cash picture.
Estimated remaining funds due at closing
$261,074No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,311.61
Your down payment$250,311.61
Closing costs + prepaids$10,762.44
Total buyer cash needed$261,074.05
Remaining funds due$261,074.05
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%)$448.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,371.50
Prepaid interest, first (31 days)$324.50
Fees + prepaids$10,762.44
Your down payment is the seller’s equity. You take over the $89,688 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $261,074.05 is due at closing. Uses and sources reconcile at $350,762.44 each. Not a Closing Disclosure.