Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$63,595Cash toward the purchase price.
Closing costs + prepaids$10,416Not just lender fees.
Before credits & paid funds$74,011The complete starting cash picture.
Estimated remaining funds due at closing
$74,011No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,594.75
Your down payment$63,594.75
Closing costs + prepaids$10,416.44
Total buyer cash needed$74,011.19
Remaining funds due$74,011.19
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%)$1,407.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$319.75
Prepaid interest, first (1 days)$21.66
Fees + prepaids$10,416.44
Your down payment is the seller’s equity. You take over the $281,405 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $74,011.19 is due at closing. Uses and sources reconcile at $355,416.44 each. Not a Closing Disclosure.