Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$245,456Cash toward the purchase price.
Closing costs + prepaids$9,936Not just lender fees.
Before credits & paid funds$255,392The complete starting cash picture.
Estimated remaining funds due at closing
$255,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,456.12
Your down payment$245,456.12
Closing costs + prepaids$9,935.71
Total buyer cash needed$255,391.82
Remaining funds due$255,391.82
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%)$3,430.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$487.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$522.75
Prepaid interest, first (26 days)$277.24
Fees + prepaids$9,935.71
Your down payment is the seller’s equity. You take over the $97,544 balance, so the rest of the $343,000 price is paid at closing. A second mortgage can cover part of it. $255,391.82 is due at closing. Uses and sources reconcile at $352,935.71 each. Not a Closing Disclosure.