Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$105,857Cash toward the purchase price.
Closing costs + prepaids$10,610Not just lender fees.
Before credits & paid funds$116,468The complete starting cash picture.
Estimated remaining funds due at closing
$116,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,857.47
Your down payment$105,857.47
Closing costs + prepaids$10,610.11
Total buyer cash needed$116,467.58
Remaining funds due$116,467.58
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%)$1,195.71
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 (20 days)$372.15
Fees + prepaids$10,610.11
Your down payment is the seller’s equity. You take over the $239,143 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $116,467.58 is due at closing. Uses and sources reconcile at $355,610.11 each. Not a Closing Disclosure.