Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$95,834Cash toward the purchase price.
Closing costs + prepaids$11,344Not just lender fees.
Before credits & paid funds$107,178The complete starting cash picture.
Estimated remaining funds due at closing
$107,178No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,834.16
Your down payment$95,834.16
Closing costs + prepaids$11,343.93
Total buyer cash needed$107,178.09
Remaining funds due$107,178.09
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%)$1,245.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$461.00
Initial HOA (3 months)$239.01
Prepaid interest, first (31 days)$730.09
Fees + prepaids$11,343.93
Your down payment is the seller’s equity. You take over the $249,166 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $107,178.09 is due at closing. Uses and sources reconcile at $356,343.93 each. Not a Closing Disclosure.