Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$76,201Cash toward the purchase price.
Closing costs + prepaids$10,563Not just lender fees.
Before credits & paid funds$86,765The complete starting cash picture.
Estimated remaining funds due at closing
$86,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,201.41
Your down payment$76,201.41
Closing costs + prepaids$10,563.32
Total buyer cash needed$86,764.74
Remaining funds due$86,764.74
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%)$1,343.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$251.50
Initial HOA (3 months)$258.00
Prepaid interest, first (2 days)$41.83
Fees + prepaids$10,563.32
Your down payment is the seller’s equity. You take over the $268,799 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $86,764.74 is due at closing. Uses and sources reconcile at $355,563.32 each. Not a Closing Disclosure.