Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$79,514Cash toward the purchase price.
Closing costs + prepaids$11,591Not just lender fees.
Before credits & paid funds$91,105The complete starting cash picture.
Estimated remaining funds due at closing
$91,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,513.82
Your down payment$79,513.82
Closing costs + prepaids$11,591.14
Total buyer cash needed$91,104.96
Remaining funds due$91,104.96
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%)$1,302.43
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 (23 days)$820.71
Fees + prepaids$11,591.14
Your down payment is the seller’s equity. You take over the $260,486 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $91,104.96 is due at closing. Uses and sources reconcile at $351,591.14 each. Not a Closing Disclosure.