Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$187,450Cash toward the purchase price.
Closing costs + prepaids$11,071Not just lender fees.
Before credits & paid funds$198,521The complete starting cash picture.
Estimated remaining funds due at closing
$198,521No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,449.79
Your down payment$187,449.79
Closing costs + prepaids$11,070.77
Total buyer cash needed$198,520.56
Remaining funds due$198,520.56
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%)$762.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$850.00
Initial HOA (3 months)$234.00
Prepaid interest, first (29 days)$606.02
Fees + prepaids$11,070.77
Your down payment is the seller’s equity. You take over the $152,550 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $198,520.56 is due at closing. Uses and sources reconcile at $351,070.77 each. Not a Closing Disclosure.