Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$60,538Cash toward the purchase price.
Closing costs + prepaids$11,687Not just lender fees.
Before credits & paid funds$72,225The complete starting cash picture.
Estimated remaining funds due at closing
$72,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,538.26
Your down payment$60,538.26
Closing costs + prepaids$11,687.11
Total buyer cash needed$72,225.38
Remaining funds due$72,225.38
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%)$3,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,422.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$333.25
Prepaid interest, first (31 days)$1,263.56
Fees + prepaids$11,687.11
Your down payment is the seller’s equity. You take over the $284,462 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $72,225.38 is due at closing. Uses and sources reconcile at $356,687.11 each. Not a Closing Disclosure.