Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$82,739Cash toward the purchase price.
Closing costs + prepaids$11,635Not just lender fees.
Before credits & paid funds$94,374The complete starting cash picture.
Estimated remaining funds due at closing
$94,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,738.96
Your down payment$82,738.96
Closing costs + prepaids$11,634.77
Total buyer cash needed$94,373.73
Remaining funds due$94,373.73
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%)$1,311.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$862.50
Prepaid interest, first (31 days)$792.96
Fees + prepaids$11,634.77
Your down payment is the seller’s equity. You take over the $262,261 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $94,373.73 is due at closing. Uses and sources reconcile at $356,634.77 each. Not a Closing Disclosure.