Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$102,111Cash toward the purchase price.
Closing costs + prepaids$11,395Not just lender fees.
Before credits & paid funds$113,506The complete starting cash picture.
Estimated remaining funds due at closing
$113,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,110.74
Your down payment$102,110.74
Closing costs + prepaids$11,395.31
Total buyer cash needed$113,506.05
Remaining funds due$113,506.05
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%)$1,214.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,027.75
Prepaid interest, first (27 days)$485.11
Fees + prepaids$11,395.31
Your down payment is the seller’s equity. You take over the $242,889 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $113,506.05 is due at closing. Uses and sources reconcile at $356,395.31 each. Not a Closing Disclosure.