Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$97,887Cash toward the purchase price.
Closing costs + prepaids$12,633Not just lender fees.
Before credits & paid funds$110,520The complete starting cash picture.
Estimated remaining funds due at closing
$110,520No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,886.50
Your down payment$97,886.50
Closing costs + prepaids$12,633.38
Total buyer cash needed$110,519.88
Remaining funds due$110,519.88
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%)$1,235.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$752.25
Initial HOA (3 months)$1,422.00
Prepaid interest, first (22 days)$555.57
Fees + prepaids$12,633.38
Your down payment is the seller’s equity. You take over the $247,113 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $110,519.88 is due at closing. Uses and sources reconcile at $357,633.38 each. Not a Closing Disclosure.