Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$29,169Cash toward the purchase price.
Closing costs + prepaids$12,698Not just lender fees.
Before credits & paid funds$41,867The complete starting cash picture.
Estimated remaining funds due at closing
$41,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,168.98
Your down payment$29,168.98
Closing costs + prepaids$12,698.43
Total buyer cash needed$41,867.41
Remaining funds due$41,867.41
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%)$1,554.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$850.00
Prepaid interest, first (28 days)$1,676.27
Fees + prepaids$12,698.43
Your down payment is the seller’s equity. You take over the $310,831 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $41,867.41 is due at closing. Uses and sources reconcile at $352,698.43 each. Not a Closing Disclosure.