Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$6,605Cash toward the purchase price.
Closing costs + prepaids$12,973Not just lender fees.
Before credits & paid funds$19,578The complete starting cash picture.
Estimated remaining funds due at closing
$19,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,604.53
Your down payment$6,604.53
Closing costs + prepaids$12,973.39
Total buyer cash needed$19,577.93
Remaining funds due$19,577.93
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%)$1,666.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$604.75
Initial HOA (3 months)$540.00
Prepaid interest, first (26 days)$1,543.67
Fees + prepaids$12,973.39
Your down payment is the seller’s equity. You take over the $333,395 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $19,577.93 is due at closing. Uses and sources reconcile at $352,973.39 each. Not a Closing Disclosure.