Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$155,098Cash toward the purchase price.
Closing costs + prepaids$10,105Not just lender fees.
Before credits & paid funds$165,203The complete starting cash picture.
Estimated remaining funds due at closing
$165,203No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,097.64
Your down payment$155,097.64
Closing costs + prepaids$10,105.42
Total buyer cash needed$165,203.06
Remaining funds due$165,203.06
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%)$924.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$143.00
Prepaid interest, first (27 days)$419.91
Fees + prepaids$10,105.42
Your down payment is the seller’s equity. You take over the $184,902 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $165,203.06 is due at closing. Uses and sources reconcile at $350,105.42 each. Not a Closing Disclosure.