Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$235,104Cash toward the purchase price.
Closing costs + prepaids$9,870Not just lender fees.
Before credits & paid funds$244,974The complete starting cash picture.
Estimated remaining funds due at closing
$244,974No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,104.34
Your down payment$235,104.34
Closing costs + prepaids$9,869.79
Total buyer cash needed$244,974.13
Remaining funds due$244,974.13
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%)$524.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$477.00
Prepaid interest, first (26 days)$250.31
Fees + prepaids$9,869.79
Your down payment is the seller’s equity. You take over the $104,896 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $244,974.13 is due at closing. Uses and sources reconcile at $349,869.79 each. Not a Closing Disclosure.