Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$79,262Cash toward the purchase price.
Closing costs + prepaids$11,636Not just lender fees.
Before credits & paid funds$90,898The complete starting cash picture.
Estimated remaining funds due at closing
$90,898No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,261.87
Your down payment$79,261.87
Closing costs + prepaids$11,636.35
Total buyer cash needed$90,898.23
Remaining funds due$90,898.23
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%)$1,328.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$766.75
Initial HOA (3 months)$171.00
Prepaid interest, first (31 days)$701.91
Fees + prepaids$11,636.35
Your down payment is the seller’s equity. You take over the $265,738 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $90,898.23 is due at closing. Uses and sources reconcile at $356,636.35 each. Not a Closing Disclosure.