Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$6,006Cash toward the purchase price.
Closing costs + prepaids$11,995Not just lender fees.
Before credits & paid funds$18,001The complete starting cash picture.
Estimated remaining funds due at closing
$18,001No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,005.59
Your down payment$6,005.59
Closing costs + prepaids$11,995.01
Total buyer cash needed$18,000.60
Remaining funds due$18,000.60
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%)$1,669.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$281.75
Prepaid interest, first (24 days)$1,425.29
Fees + prepaids$11,995.01
Your down payment is the seller’s equity. You take over the $333,994 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $18,000.60 is due at closing. Uses and sources reconcile at $351,995.01 each. Not a Closing Disclosure.