Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$144,947Cash toward the purchase price.
Closing costs + prepaids$10,194Not just lender fees.
Before credits & paid funds$155,141The complete starting cash picture.
Estimated remaining funds due at closing
$155,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,947.12
Your down payment$144,947.12
Closing costs + prepaids$10,193.55
Total buyer cash needed$155,140.68
Remaining funds due$155,140.68
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%)$975.26
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 (2 days)$28.54
Fees + prepaids$10,193.55
Your down payment is the seller’s equity. You take over the $195,053 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $155,140.68 is due at closing. Uses and sources reconcile at $350,193.55 each. Not a Closing Disclosure.