Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$115,103Cash toward the purchase price.
Closing costs + prepaids$12,452Not just lender fees.
Before credits & paid funds$127,555The complete starting cash picture.
Estimated remaining funds due at closing
$127,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,102.60
Your down payment$115,102.60
Closing costs + prepaids$12,452.36
Total buyer cash needed$127,554.96
Remaining funds due$127,554.96
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%)$1,149.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,132.25
Prepaid interest, first (30 days)$502.63
Fees + prepaids$12,452.36
Your down payment is the seller’s equity. You take over the $229,897 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $127,554.96 is due at closing. Uses and sources reconcile at $357,452.36 each. Not a Closing Disclosure.