Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$92,110Cash toward the purchase price.
Closing costs + prepaids$12,970Not just lender fees.
Before credits & paid funds$105,081The complete starting cash picture.
Estimated remaining funds due at closing
$105,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,110.47
Your down payment$92,110.47
Closing costs + prepaids$12,970.29
Total buyer cash needed$105,080.76
Remaining funds due$105,080.76
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%)$1,264.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,023.25
Initial HOA (3 months)$1,452.00
Prepaid interest, first (28 days)$562.59
Fees + prepaids$12,970.29
Your down payment is the seller’s equity. You take over the $252,890 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $105,080.76 is due at closing. Uses and sources reconcile at $357,970.29 each. Not a Closing Disclosure.