Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$154,639Cash toward the purchase price.
Closing costs + prepaids$11,658Not just lender fees.
Before credits & paid funds$166,297The complete starting cash picture.
Estimated remaining funds due at closing
$166,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,638.76
Your down payment$154,638.76
Closing costs + prepaids$11,657.87
Total buyer cash needed$166,296.63
Remaining funds due$166,296.63
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%)$926.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,013.00
Initial HOA (3 months)$675.00
Prepaid interest, first (27 days)$425.06
Fees + prepaids$11,657.87
Your down payment is the seller’s equity. You take over the $185,361 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $166,296.63 is due at closing. Uses and sources reconcile at $351,657.87 each. Not a Closing Disclosure.