Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$24,715Cash toward the purchase price.
Closing costs + prepaids$12,350Not just lender fees.
Before credits & paid funds$37,065The complete starting cash picture.
Estimated remaining funds due at closing
$37,065No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,715.49
Your down payment$24,715.49
Closing costs + prepaids$12,349.74
Total buyer cash needed$37,065.24
Remaining funds due$37,065.24
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%)$1,601.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$250.75
Prepaid interest, first (30 days)$1,829.57
Fees + prepaids$12,349.74
Your down payment is the seller’s equity. You take over the $320,285 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $37,065.24 is due at closing. Uses and sources reconcile at $357,349.74 each. Not a Closing Disclosure.