Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$105,308Cash toward the purchase price.
Closing costs + prepaids$10,259Not just lender fees.
Before credits & paid funds$115,567The complete starting cash picture.
Estimated remaining funds due at closing
$115,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,307.94
Your down payment$105,307.94
Closing costs + prepaids$10,259.36
Total buyer cash needed$115,567.30
Remaining funds due$115,567.30
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%)$1,198.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$374.25
Prepaid interest, first (1 days)$18.65
Fees + prepaids$10,259.36
Your down payment is the seller’s equity. You take over the $239,692 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $115,567.30 is due at closing. Uses and sources reconcile at $355,259.36 each. Not a Closing Disclosure.