Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$125Cash toward the purchase price.
Closing costs + prepaids$12,194Not just lender fees.
Before credits & paid funds$12,319The complete starting cash picture.
Estimated remaining funds due at closing
$12,319No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125.19
Your down payment$125.19
Closing costs + prepaids$12,193.95
Total buyer cash needed$12,319.14
Remaining funds due$12,319.14
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%)$3,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,723.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$451.75
Prepaid interest, first (23 days)$1,351.33
Fees + prepaids$12,193.95
Your down payment is the seller’s equity. You take over the $344,775 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $12,319.14 is due at closing. Uses and sources reconcile at $357,093.95 each. Not a Closing Disclosure.