Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$177,198Cash toward the purchase price.
Closing costs + prepaids$11,308Not just lender fees.
Before credits & paid funds$188,507The complete starting cash picture.
Estimated remaining funds due at closing
$188,507No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,198.27
Your down payment$177,198.27
Closing costs + prepaids$11,308.25
Total buyer cash needed$188,506.52
Remaining funds due$188,506.52
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%)$839.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$441.00
Initial HOA (3 months)$912.00
Prepaid interest, first (26 days)$448.24
Fees + prepaids$11,308.25
Your down payment is the seller’s equity. You take over the $167,802 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $188,506.52 is due at closing. Uses and sources reconcile at $356,308.25 each. Not a Closing Disclosure.