Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$35,908Cash toward the purchase price.
Closing costs + prepaids$12,119Not just lender fees.
Before credits & paid funds$48,027The complete starting cash picture.
Estimated remaining funds due at closing
$48,027No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,908.24
Your down payment$35,908.24
Closing costs + prepaids$12,119.03
Total buyer cash needed$48,027.27
Remaining funds due$48,027.27
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%)$1,520.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$241.00
Prepaid interest, first (29 days)$1,739.57
Fees + prepaids$12,119.03
Your down payment is the seller’s equity. You take over the $304,092 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $48,027.27 is due at closing. Uses and sources reconcile at $352,119.03 each. Not a Closing Disclosure.