Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$78,251Cash toward the purchase price.
Closing costs + prepaids$10,788Not just lender fees.
Before credits & paid funds$89,039The complete starting cash picture.
Estimated remaining funds due at closing
$89,039No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,250.72
Your down payment$78,250.72
Closing costs + prepaids$10,788.47
Total buyer cash needed$89,039.19
Remaining funds due$89,039.19
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%)$1,308.75
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 (9 days)$453.72
Fees + prepaids$10,788.47
Your down payment is the seller’s equity. You take over the $261,749 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $89,039.19 is due at closing. Uses and sources reconcile at $350,788.47 each. Not a Closing Disclosure.