Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$16,800Cash toward the purchase price.
Closing costs + prepaids$10,997Not just lender fees.
Before credits & paid funds$27,796The complete starting cash picture.
Estimated remaining funds due at closing
$27,796No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,799.60
Your down payment$16,799.60
Closing costs + prepaids$10,996.73
Total buyer cash needed$27,796.32
Remaining funds due$27,796.32
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%)$1,616.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$395.25
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$67.47
Fees + prepaids$10,996.73
Your down payment is the seller’s equity. You take over the $323,200 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $27,796.32 is due at closing. Uses and sources reconcile at $350,996.73 each. Not a Closing Disclosure.