Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$51,204Cash toward the purchase price.
Closing costs + prepaids$12,315Not just lender fees.
Before credits & paid funds$63,519The complete starting cash picture.
Estimated remaining funds due at closing
$63,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,204.05
Your down payment$51,204.05
Closing costs + prepaids$12,315.37
Total buyer cash needed$63,519.42
Remaining funds due$63,519.42
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%)$1,443.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$287.75
Initial HOA (3 months)$869.01
Prepaid interest, first (21 days)$1,096.63
Fees + prepaids$12,315.37
Your down payment is the seller’s equity. You take over the $288,796 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $63,519.42 is due at closing. Uses and sources reconcile at $352,315.37 each. Not a Closing Disclosure.