Follow the dollars · Assumption only
A complete cash picture for Dec 21, 2026
Your down payment$19,922Cash toward the purchase price.
Closing costs + prepaids$10,914Not just lender fees.
Before credits & paid funds$30,836The complete starting cash picture.
Estimated remaining funds due at closing
$30,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,922.32
Your down payment$19,922.32
Closing costs + prepaids$10,913.84
Total buyer cash needed$30,836.17
Remaining funds due$30,836.17
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%)$1,600.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$408.00
Prepaid interest, first (11 days)$287.46
Fees + prepaids$10,913.84
Your down payment is the seller’s equity. You take over the $320,078 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $30,836.17 is due at closing. Uses and sources reconcile at $350,913.84 each. Not a Closing Disclosure.