Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$23,537Cash toward the purchase price.
Closing costs + prepaids$12,949Not just lender fees.
Before credits & paid funds$36,485The complete starting cash picture.
Estimated remaining funds due at closing
$36,485No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,536.63
Your down payment$23,536.63
Closing costs + prepaids$12,948.81
Total buyer cash needed$36,485.44
Remaining funds due$36,485.44
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%)$1,582.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$702.50
Initial HOA (3 months)$177.99
Prepaid interest, first (31 days)$1,868.00
Fees + prepaids$12,948.81
Your down payment is the seller’s equity. You take over the $316,463 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $36,485.44 is due at closing. Uses and sources reconcile at $352,948.81 each. Not a Closing Disclosure.