Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$68,020Cash toward the purchase price.
Closing costs + prepaids$11,937Not just lender fees.
Before credits & paid funds$79,957The complete starting cash picture.
Estimated remaining funds due at closing
$79,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,019.54
Your down payment$68,019.54
Closing costs + prepaids$11,937.37
Total buyer cash needed$79,956.91
Remaining funds due$79,956.91
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%)$1,384.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$183.50
Initial HOA (3 months)$1,125.00
Prepaid interest, first (22 days)$575.97
Fees + prepaids$11,937.37
Your down payment is the seller’s equity. You take over the $276,980 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $79,956.91 is due at closing. Uses and sources reconcile at $356,937.37 each. Not a Closing Disclosure.