Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$60,540Cash toward the purchase price.
Closing costs + prepaids$10,209Not just lender fees.
Before credits & paid funds$70,749The complete starting cash picture.
Estimated remaining funds due at closing
$70,749No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,540.27
Your down payment$60,540.27
Closing costs + prepaids$10,209.18
Total buyer cash needed$70,749.44
Remaining funds due$70,749.44
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%)$1,397.30
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 (1 days)$38.13
Fees + prepaids$10,209.18
Your down payment is the seller’s equity. You take over the $279,460 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $70,749.44 is due at closing. Uses and sources reconcile at $350,209.18 each. Not a Closing Disclosure.