Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$10,578Cash toward the purchase price.
Closing costs + prepaids$11,405Not just lender fees.
Before credits & paid funds$21,983The complete starting cash picture.
Estimated remaining funds due at closing
$21,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,578.42
Your down payment$10,578.42
Closing costs + prepaids$11,404.96
Total buyer cash needed$21,983.39
Remaining funds due$21,983.39
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%)$1,672.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$862.50
Initial HOA (3 months)$75.00
Prepaid interest, first (2 days)$127.36
Fees + prepaids$11,404.96
Your down payment is the seller’s equity. You take over the $334,422 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $21,983.39 is due at closing. Uses and sources reconcile at $356,404.96 each. Not a Closing Disclosure.