Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$17,096Cash toward the purchase price.
Closing costs + prepaids$12,546Not just lender fees.
Before credits & paid funds$29,642The complete starting cash picture.
Estimated remaining funds due at closing
$29,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,096.01
Your down payment$17,096.01
Closing costs + prepaids$12,545.65
Total buyer cash needed$29,641.66
Remaining funds due$29,641.66
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%)$1,614.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$395.25
Initial HOA (3 months)$300.00
Prepaid interest, first (24 days)$1,617.88
Fees + prepaids$12,545.65
Your down payment is the seller’s equity. You take over the $322,904 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $29,641.66 is due at closing. Uses and sources reconcile at $352,545.65 each. Not a Closing Disclosure.