Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$79,397Cash toward the purchase price.
Closing costs + prepaids$10,645Not just lender fees.
Before credits & paid funds$90,042The complete starting cash picture.
Estimated remaining funds due at closing
$90,042No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,397.12
Your down payment$79,397.12
Closing costs + prepaids$10,644.89
Total buyer cash needed$90,042.01
Remaining funds due$90,042.01
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%)$1,303.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$425.00
Prepaid interest, first (13 days)$298.87
Fees + prepaids$10,644.89
Your down payment is the seller’s equity. You take over the $260,603 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $90,042.01 is due at closing. Uses and sources reconcile at $350,644.89 each. Not a Closing Disclosure.