Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$95,834Cash toward the purchase price.
Closing costs + prepaids$11,108Not just lender fees.
Before credits & paid funds$106,943The complete starting cash picture.
Estimated remaining funds due at closing
$106,943No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,834.16
Your down payment$95,834.16
Closing costs + prepaids$11,108.42
Total buyer cash needed$106,942.58
Remaining funds due$106,942.58
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%)$1,245.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$461.00
Initial HOA (3 months)$239.01
Prepaid interest, first (21 days)$494.58
Fees + prepaids$11,108.42
Your down payment is the seller’s equity. You take over the $249,166 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $106,942.58 is due at closing. Uses and sources reconcile at $356,108.42 each. Not a Closing Disclosure.