Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$145,422Cash toward the purchase price.
Closing costs + prepaids$10,604Not just lender fees.
Before credits & paid funds$156,026The complete starting cash picture.
Estimated remaining funds due at closing
$156,026No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,422.17
Your down payment$145,422.17
Closing costs + prepaids$10,603.88
Total buyer cash needed$156,026.05
Remaining funds due$156,026.05
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%)$972.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$202.75
Initial HOA (3 months)$369.00
Prepaid interest, first (31 days)$441.24
Fees + prepaids$10,603.88
Your down payment is the seller’s equity. You take over the $194,578 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $156,026.05 is due at closing. Uses and sources reconcile at $350,603.88 each. Not a Closing Disclosure.