Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$128,181Cash toward the purchase price.
Closing costs + prepaids$11,840Not just lender fees.
Before credits & paid funds$140,022The complete starting cash picture.
Estimated remaining funds due at closing
$140,022No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,181.47
Your down payment$128,181.47
Closing costs + prepaids$11,840.18
Total buyer cash needed$140,021.65
Remaining funds due$140,021.65
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%)$1,084.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$1,644.00
Prepaid interest, first (28 days)$444.09
Fees + prepaids$11,840.18
Your down payment is the seller’s equity. You take over the $216,819 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $140,021.65 is due at closing. Uses and sources reconcile at $356,840.18 each. Not a Closing Disclosure.