Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$24,432Cash toward the purchase price.
Closing costs + prepaids$13,415Not just lender fees.
Before credits & paid funds$37,847The complete starting cash picture.
Estimated remaining funds due at closing
$37,847No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,431.61
Your down payment$24,431.61
Closing costs + prepaids$13,415.28
Total buyer cash needed$37,846.90
Remaining funds due$37,846.90
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%)$1,577.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,931.75
Prepaid interest, first (22 days)$1,287.69
Fees + prepaids$13,415.28
Your down payment is the seller’s equity. You take over the $315,568 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $37,846.90 is due at closing. Uses and sources reconcile at $353,415.28 each. Not a Closing Disclosure.