Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$288,391Cash toward the purchase price.
Closing costs + prepaids$9,109Not just lender fees.
Before credits & paid funds$297,500The complete starting cash picture.
Estimated remaining funds due at closing
$297,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$288,390.97
Your down payment$288,390.97
Closing costs + prepaids$9,109.47
Total buyer cash needed$297,500.44
Remaining funds due$297,500.44
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%)$258.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$121.75
Prepaid interest, first (22 days)$111.67
Fees + prepaids$9,109.47
Your down payment is the seller’s equity. You take over the $51,609 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $297,500.44 is due at closing. Uses and sources reconcile at $349,109.47 each. Not a Closing Disclosure.