Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$55,215Cash toward the purchase price.
Closing costs + prepaids$11,521Not just lender fees.
Before credits & paid funds$66,736The complete starting cash picture.
Estimated remaining funds due at closing
$66,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,215.31
Your down payment$55,215.31
Closing costs + prepaids$11,520.61
Total buyer cash needed$66,735.93
Remaining funds due$66,735.93
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%)$3,459.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,453.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$161.75
Prepaid interest, first (25 days)$1,228.44
Fees + prepaids$11,520.61
Your down payment is the seller’s equity. You take over the $290,685 balance, so the rest of the $345,900 price is paid at closing. A second mortgage can cover part of it. $66,735.93 is due at closing. Uses and sources reconcile at $357,420.61 each. Not a Closing Disclosure.