Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$212,637Cash toward the purchase price.
Closing costs + prepaids$10,424Not just lender fees.
Before credits & paid funds$223,061The complete starting cash picture.
Estimated remaining funds due at closing
$223,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,637.07
Your down payment$212,637.07
Closing costs + prepaids$10,424.12
Total buyer cash needed$223,061.19
Remaining funds due$223,061.19
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%)$661.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$744.00
Prepaid interest, first (28 days)$350.31
Fees + prepaids$10,424.12
Your down payment is the seller’s equity. You take over the $132,363 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $223,061.19 is due at closing. Uses and sources reconcile at $355,424.12 each. Not a Closing Disclosure.