Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$76,818Cash toward the purchase price.
Closing costs + prepaids$11,165Not just lender fees.
Before credits & paid funds$87,983The complete starting cash picture.
Estimated remaining funds due at closing
$87,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,817.67
Your down payment$76,817.67
Closing costs + prepaids$11,165.28
Total buyer cash needed$87,982.95
Remaining funds due$87,982.95
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%)$1,340.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$251.50
Initial HOA (3 months)$258.00
Prepaid interest, first (31 days)$646.87
Fees + prepaids$11,165.28
Your down payment is the seller’s equity. You take over the $268,182 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $87,982.95 is due at closing. Uses and sources reconcile at $356,165.28 each. Not a Closing Disclosure.