Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$49,304Cash toward the purchase price.
Closing costs + prepaids$11,868Not just lender fees.
Before credits & paid funds$61,171The complete starting cash picture.
Estimated remaining funds due at closing
$61,171No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,303.55
Your down payment$49,303.55
Closing costs + prepaids$11,867.76
Total buyer cash needed$61,171.31
Remaining funds due$61,171.31
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%)$1,478.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,611.75
Prepaid interest, first (2 days)$109.53
Fees + prepaids$11,867.76
Your down payment is the seller’s equity. You take over the $295,696 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $61,171.31 is due at closing. Uses and sources reconcile at $356,867.76 each. Not a Closing Disclosure.