Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$97,929Cash toward the purchase price.
Closing costs + prepaids$12,023Not just lender fees.
Before credits & paid funds$109,952The complete starting cash picture.
Estimated remaining funds due at closing
$109,952No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,928.81
Your down payment$97,928.81
Closing costs + prepaids$12,022.79
Total buyer cash needed$109,951.60
Remaining funds due$109,951.60
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%)$1,235.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$914.00
Prepaid interest, first (28 days)$1,205.44
Fees + prepaids$12,022.79
Your down payment is the seller’s equity. You take over the $247,071 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $109,951.60 is due at closing. Uses and sources reconcile at $357,022.79 each. Not a Closing Disclosure.