Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$143,554Cash toward the purchase price.
Closing costs + prepaids$11,825Not just lender fees.
Before credits & paid funds$155,379The complete starting cash picture.
Estimated remaining funds due at closing
$155,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,553.54
Your down payment$143,553.54
Closing costs + prepaids$11,825.03
Total buyer cash needed$155,378.57
Remaining funds due$155,378.57
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%)$3,407.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$985.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,779.50
Prepaid interest, first (25 days)$434.80
Fees + prepaids$11,825.03
Your down payment is the seller’s equity. You take over the $197,146 balance, so the rest of the $340,700 price is paid at closing. A second mortgage can cover part of it. $155,378.57 is due at closing. Uses and sources reconcile at $352,525.03 each. Not a Closing Disclosure.