Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$84,397Cash toward the purchase price.
Closing costs + prepaids$11,143Not just lender fees.
Before credits & paid funds$95,540The complete starting cash picture.
Estimated remaining funds due at closing
$95,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,397.12
Your down payment$84,397.12
Closing costs + prepaids$11,142.79
Total buyer cash needed$95,539.91
Remaining funds due$95,539.91
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%)$1,303.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$643.00
Prepaid interest, first (23 days)$528.77
Fees + prepaids$11,142.79
Your down payment is the seller’s equity. You take over the $260,603 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $95,539.91 is due at closing. Uses and sources reconcile at $356,142.79 each. Not a Closing Disclosure.