Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$22,222Cash toward the purchase price.
Closing costs + prepaids$11,544Not just lender fees.
Before credits & paid funds$33,767The complete starting cash picture.
Estimated remaining funds due at closing
$33,767No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,222.24
Your down payment$22,222.24
Closing costs + prepaids$11,544.39
Total buyer cash needed$33,766.63
Remaining funds due$33,766.63
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%)$1,588.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$425.00
Initial HOA (3 months)$144.00
Prepaid interest, first (13 days)$768.50
Fees + prepaids$11,544.39
Your down payment is the seller’s equity. You take over the $317,778 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $33,766.63 is due at closing. Uses and sources reconcile at $351,544.39 each. Not a Closing Disclosure.