Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$168,028Cash toward the purchase price.
Closing costs + prepaids$10,648Not just lender fees.
Before credits & paid funds$178,676The complete starting cash picture.
Estimated remaining funds due at closing
$178,676No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,027.86
Your down payment$168,027.86
Closing costs + prepaids$10,648.25
Total buyer cash needed$178,676.11
Remaining funds due$178,676.11
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%)$859.86
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 (25 days)$320.39
Fees + prepaids$10,648.25
Your down payment is the seller’s equity. You take over the $171,972 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $178,676.11 is due at closing. Uses and sources reconcile at $350,648.25 each. Not a Closing Disclosure.