Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$170,352Cash toward the purchase price.
Closing costs + prepaids$12,069Not just lender fees.
Before credits & paid funds$182,421The complete starting cash picture.
Estimated remaining funds due at closing
$182,421No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,351.70
Your down payment$170,351.70
Closing costs + prepaids$12,068.80
Total buyer cash needed$182,420.50
Remaining funds due$182,420.50
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%)$848.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$713.75
Initial HOA (3 months)$1,485.00
Prepaid interest, first (24 days)$403.81
Fees + prepaids$12,068.80
Your down payment is the seller’s equity. You take over the $169,648 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $182,420.50 is due at closing. Uses and sources reconcile at $352,068.80 each. Not a Closing Disclosure.