Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$165,345Cash toward the purchase price.
Closing costs + prepaids$10,275Not just lender fees.
Before credits & paid funds$175,620The complete starting cash picture.
Estimated remaining funds due at closing
$175,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,345.03
Your down payment$165,345.03
Closing costs + prepaids$10,274.56
Total buyer cash needed$175,619.59
Remaining funds due$175,619.59
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%)$898.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$414.00
Initial HOA (3 months)$176.01
Prepaid interest, first (9 days)$118.28
Fees + prepaids$10,274.56
Your down payment is the seller’s equity. You take over the $179,655 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $175,619.59 is due at closing. Uses and sources reconcile at $355,274.56 each. Not a Closing Disclosure.