Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$27,502Cash toward the purchase price.
Closing costs + prepaids$12,164Not just lender fees.
Before credits & paid funds$39,666The complete starting cash picture.
Estimated remaining funds due at closing
$39,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,501.86
Your down payment$27,501.86
Closing costs + prepaids$12,163.79
Total buyer cash needed$39,665.66
Remaining funds due$39,665.66
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%)$1,562.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$499.75
Prepaid interest, first (24 days)$1,483.55
Fees + prepaids$12,163.79
Your down payment is the seller’s equity. You take over the $312,498 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $39,665.66 is due at closing. Uses and sources reconcile at $352,163.79 each. Not a Closing Disclosure.