Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$211,758Cash toward the purchase price.
Closing costs + prepaids$11,032Not just lender fees.
Before credits & paid funds$222,790The complete starting cash picture.
Estimated remaining funds due at closing
$222,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,757.81
Your down payment$211,757.81
Closing costs + prepaids$11,032.30
Total buyer cash needed$222,790.12
Remaining funds due$222,790.12
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%)$666.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$413.00
Initial HOA (3 months)$1,068.00
Prepaid interest, first (19 days)$217.09
Fees + prepaids$11,032.30
Your down payment is the seller’s equity. You take over the $133,242 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $222,790.12 is due at closing. Uses and sources reconcile at $356,032.30 each. Not a Closing Disclosure.