Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$78,620Cash toward the purchase price.
Closing costs + prepaids$11,387Not just lender fees.
Before credits & paid funds$90,007The complete starting cash picture.
Estimated remaining funds due at closing
$90,007No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,620.21
Your down payment$78,620.21
Closing costs + prepaids$11,386.77
Total buyer cash needed$90,006.98
Remaining funds due$90,006.98
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%)$1,306.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$136.50
Prepaid interest, first (28 days)$1,325.37
Fees + prepaids$11,386.77
Your down payment is the seller’s equity. You take over the $261,380 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $90,006.98 is due at closing. Uses and sources reconcile at $351,386.77 each. Not a Closing Disclosure.