Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$58,050Cash toward the purchase price.
Closing costs + prepaids$11,738Not just lender fees.
Before credits & paid funds$69,788The complete starting cash picture.
Estimated remaining funds due at closing
$69,788No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,050.26
Your down payment$58,050.26
Closing costs + prepaids$11,738.05
Total buyer cash needed$69,788.31
Remaining funds due$69,788.31
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%)$1,409.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$541.25
Prepaid interest, first (23 days)$1,169.05
Fees + prepaids$11,738.05
Your down payment is the seller’s equity. You take over the $281,950 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $69,788.31 is due at closing. Uses and sources reconcile at $351,738.05 each. Not a Closing Disclosure.