Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$95,909Cash toward the purchase price.
Closing costs + prepaids$11,270Not just lender fees.
Before credits & paid funds$107,178The complete starting cash picture.
Estimated remaining funds due at closing
$107,178No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,908.74
Your down payment$95,908.74
Closing costs + prepaids$11,269.64
Total buyer cash needed$107,178.37
Remaining funds due$107,178.37
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%)$1,220.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$568.50
Prepaid interest, first (30 days)$862.68
Fees + prepaids$11,269.64
Your down payment is the seller’s equity. You take over the $244,091 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $107,178.37 is due at closing. Uses and sources reconcile at $351,269.64 each. Not a Closing Disclosure.