Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$185,462Cash toward the purchase price.
Closing costs + prepaids$10,108Not just lender fees.
Before credits & paid funds$195,570The complete starting cash picture.
Estimated remaining funds due at closing
$195,570No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,462.19
Your down payment$185,462.19
Closing costs + prepaids$10,107.94
Total buyer cash needed$195,570.14
Remaining funds due$195,570.14
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%)$772.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$690.75
Prepaid interest, first (2 days)$26.50
Fees + prepaids$10,107.94
Your down payment is the seller’s equity. You take over the $154,538 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $195,570.14 is due at closing. Uses and sources reconcile at $350,107.94 each. Not a Closing Disclosure.