Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$60,990Cash toward the purchase price.
Closing costs + prepaids$11,349Not just lender fees.
Before credits & paid funds$72,339The complete starting cash picture.
Estimated remaining funds due at closing
$72,339No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,989.67
Your down payment$60,989.67
Closing costs + prepaids$11,348.90
Total buyer cash needed$72,338.57
Remaining funds due$72,338.57
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%)$1,395.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$155.75
Prepaid interest, first (31 days)$1,180.10
Fees + prepaids$11,348.90
Your down payment is the seller’s equity. You take over the $279,010 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $72,338.57 is due at closing. Uses and sources reconcile at $351,348.90 each. Not a Closing Disclosure.