Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$138,612Cash toward the purchase price.
Closing costs + prepaids$10,594Not just lender fees.
Before credits & paid funds$149,205The complete starting cash picture.
Estimated remaining funds due at closing
$149,205No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,611.66
Your down payment$138,611.66
Closing costs + prepaids$10,593.81
Total buyer cash needed$149,205.47
Remaining funds due$149,205.47
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%)$1,031.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$206.00
Initial HOA (3 months)$162.00
Prepaid interest, first (31 days)$525.87
Fees + prepaids$10,593.81
Your down payment is the seller’s equity. You take over the $206,388 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $149,205.47 is due at closing. Uses and sources reconcile at $355,593.81 each. Not a Closing Disclosure.