Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$143,140Cash toward the purchase price.
Closing costs + prepaids$12,024Not just lender fees.
Before credits & paid funds$155,164The complete starting cash picture.
Estimated remaining funds due at closing
$155,164No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,140.13
Your down payment$143,140.13
Closing costs + prepaids$12,023.74
Total buyer cash needed$155,163.87
Remaining funds due$155,163.87
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%)$984.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,007.75
Initial HOA (3 months)$821.01
Prepaid interest, first (27 days)$592.68
Fees + prepaids$12,023.74
Your down payment is the seller’s equity. You take over the $196,860 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $155,163.87 is due at closing. Uses and sources reconcile at $352,023.74 each. Not a Closing Disclosure.