Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$150,202Cash toward the purchase price.
Closing costs + prepaids$11,016Not just lender fees.
Before credits & paid funds$161,217The complete starting cash picture.
Estimated remaining funds due at closing
$161,217No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,201.76
Your down payment$150,201.76
Closing costs + prepaids$11,015.64
Total buyer cash needed$161,217.40
Remaining funds due$161,217.40
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%)$973.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,224.75
Prepaid interest, first (6 days)$148.90
Fees + prepaids$11,015.64
Your down payment is the seller’s equity. You take over the $194,798 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $161,217.40 is due at closing. Uses and sources reconcile at $356,015.64 each. Not a Closing Disclosure.