Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$14,821Cash toward the purchase price.
Closing costs + prepaids$13,955Not just lender fees.
Before credits & paid funds$28,776The complete starting cash picture.
Estimated remaining funds due at closing
$28,776No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,820.73
Your down payment$14,820.73
Closing costs + prepaids$13,954.92
Total buyer cash needed$28,775.64
Remaining funds due$28,775.64
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%)$1,650.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,371.75
Initial HOA (3 months)$1,422.99
Prepaid interest, first (31 days)$841.28
Fees + prepaids$13,954.92
Your down payment is the seller’s equity. You take over the $330,179 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $28,775.64 is due at closing. Uses and sources reconcile at $358,954.92 each. Not a Closing Disclosure.