Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$185,826Cash toward the purchase price.
Closing costs + prepaids$10,384Not just lender fees.
Before credits & paid funds$196,210The complete starting cash picture.
Estimated remaining funds due at closing
$196,210No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,826.49
Your down payment$185,826.49
Closing costs + prepaids$10,383.70
Total buyer cash needed$196,210.19
Remaining funds due$196,210.19
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%)$770.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$690.75
Prepaid interest, first (23 days)$304.08
Fees + prepaids$10,383.70
Your down payment is the seller’s equity. You take over the $154,174 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $196,210.19 is due at closing. Uses and sources reconcile at $350,383.70 each. Not a Closing Disclosure.