Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$187,410Cash toward the purchase price.
Closing costs + prepaids$10,919Not just lender fees.
Before credits & paid funds$198,329The complete starting cash picture.
Estimated remaining funds due at closing
$198,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,409.67
Your down payment$187,409.67
Closing costs + prepaids$10,919.42
Total buyer cash needed$198,329.09
Remaining funds due$198,329.09
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%)$787.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$870.00
Initial HOA (3 months)$294.00
Prepaid interest, first (24 days)$299.46
Fees + prepaids$10,919.42
Your down payment is the seller’s equity. You take over the $157,590 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $198,329.09 is due at closing. Uses and sources reconcile at $355,919.42 each. Not a Closing Disclosure.