Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$96,131Cash toward the purchase price.
Closing costs + prepaids$11,797Not just lender fees.
Before credits & paid funds$107,928The complete starting cash picture.
Estimated remaining funds due at closing
$107,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,130.65
Your down payment$96,130.65
Closing costs + prepaids$11,796.97
Total buyer cash needed$107,927.62
Remaining funds due$107,927.62
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%)$1,244.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,373.25
Prepaid interest, first (30 days)$511.38
Fees + prepaids$11,796.97
Your down payment is the seller’s equity. You take over the $248,869 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $107,927.62 is due at closing. Uses and sources reconcile at $356,796.97 each. Not a Closing Disclosure.