Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$93,195Cash toward the purchase price.
Closing costs + prepaids$11,480Not just lender fees.
Before credits & paid funds$104,675The complete starting cash picture.
Estimated remaining funds due at closing
$104,675No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,195.12
Your down payment$93,195.12
Closing costs + prepaids$11,480.01
Total buyer cash needed$104,675.12
Remaining funds due$104,675.12
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%)$1,234.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$598.50
Prepaid interest, first (25 days)$1,029.48
Fees + prepaids$11,480.01
Your down payment is the seller’s equity. You take over the $246,805 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $104,675.12 is due at closing. Uses and sources reconcile at $351,480.01 each. Not a Closing Disclosure.