Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$9,723Cash toward the purchase price.
Closing costs + prepaids$11,995Not just lender fees.
Before credits & paid funds$21,718The complete starting cash picture.
Estimated remaining funds due at closing
$21,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,722.69
Your down payment$9,722.69
Closing costs + prepaids$11,995.09
Total buyer cash needed$21,717.78
Remaining funds due$21,717.78
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%)$1,651.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$375.00
Prepaid interest, first (23 days)$1,350.70
Fees + prepaids$11,995.09
Your down payment is the seller’s equity. You take over the $330,277 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $21,717.78 is due at closing. Uses and sources reconcile at $351,995.09 each. Not a Closing Disclosure.