Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$176,820Cash toward the purchase price.
Closing costs + prepaids$10,879Not just lender fees.
Before credits & paid funds$187,699The complete starting cash picture.
Estimated remaining funds due at closing
$187,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,819.66
Your down payment$176,819.66
Closing costs + prepaids$10,879.18
Total buyer cash needed$187,698.85
Remaining funds due$187,698.85
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%)$840.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$441.00
Initial HOA (3 months)$912.00
Prepaid interest, first (1 days)$17.28
Fees + prepaids$10,879.18
Your down payment is the seller’s equity. You take over the $168,180 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $187,698.85 is due at closing. Uses and sources reconcile at $355,879.18 each. Not a Closing Disclosure.