Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$64,274Cash toward the purchase price.
Closing costs + prepaids$10,702Not just lender fees.
Before credits & paid funds$74,975The complete starting cash picture.
Estimated remaining funds due at closing
$74,975No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,273.74
Your down payment$64,273.74
Closing costs + prepaids$10,701.75
Total buyer cash needed$74,975.49
Remaining funds due$74,975.49
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%)$1,403.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$414.00
Prepaid interest, first (10 days)$216.12
Fees + prepaids$10,701.75
Your down payment is the seller’s equity. You take over the $280,726 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $74,975.49 is due at closing. Uses and sources reconcile at $355,701.75 each. Not a Closing Disclosure.