Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$95,322Cash toward the purchase price.
Closing costs + prepaids$10,664Not just lender fees.
Before credits & paid funds$105,985The complete starting cash picture.
Estimated remaining funds due at closing
$105,985No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,321.56
Your down payment$95,321.56
Closing costs + prepaids$10,663.60
Total buyer cash needed$105,985.16
Remaining funds due$105,985.16
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%)$1,248.39
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 (2 days)$47.20
Fees + prepaids$10,663.60
Your down payment is the seller’s equity. You take over the $249,678 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $105,985.16 is due at closing. Uses and sources reconcile at $355,663.60 each. Not a Closing Disclosure.