Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$116,746Cash toward the purchase price.
Closing costs + prepaids$11,368Not just lender fees.
Before credits & paid funds$128,114The complete starting cash picture.
Estimated remaining funds due at closing
$128,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,745.95
Your down payment$116,745.95
Closing costs + prepaids$11,368.46
Total buyer cash needed$128,114.41
Remaining funds due$128,114.41
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%)$1,116.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$482.25
Initial HOA (3 months)$645.00
Prepaid interest, first (28 days)$506.94
Fees + prepaids$11,368.46
Your down payment is the seller’s equity. You take over the $223,254 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $128,114.41 is due at closing. Uses and sources reconcile at $351,368.46 each. Not a Closing Disclosure.