Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$140,074Cash toward the purchase price.
Closing costs + prepaids$12,255Not just lender fees.
Before credits & paid funds$152,329The complete starting cash picture.
Estimated remaining funds due at closing
$152,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,073.92
Your down payment$140,073.92
Closing costs + prepaids$12,254.67
Total buyer cash needed$152,328.59
Remaining funds due$152,328.59
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%)$999.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,106.75
Initial HOA (3 months)$39.51
Prepaid interest, first (28 days)$490.78
Fees + prepaids$12,254.67
Your down payment is the seller’s equity. You take over the $199,926 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $152,328.59 is due at closing. Uses and sources reconcile at $352,254.67 each. Not a Closing Disclosure.