Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$103,681Cash toward the purchase price.
Closing costs + prepaids$11,484Not just lender fees.
Before credits & paid funds$115,165The complete starting cash picture.
Estimated remaining funds due at closing
$115,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,681.09
Your down payment$103,681.09
Closing costs + prepaids$11,483.84
Total buyer cash needed$115,164.93
Remaining funds due$115,164.93
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%)$3,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,206.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$733.75
Initial HOA (3 months)$855.99
Prepaid interest, first (1 days)$19.50
Fees + prepaids$11,483.84
Your down payment is the seller’s equity. You take over the $241,319 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $115,164.93 is due at closing. Uses and sources reconcile at $356,483.84 each. Not a Closing Disclosure.