Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$26,892Cash toward the purchase price.
Closing costs + prepaids$12,553Not just lender fees.
Before credits & paid funds$39,445The complete starting cash picture.
Estimated remaining funds due at closing
$39,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,892.33
Your down payment$26,892.33
Closing costs + prepaids$12,553.04
Total buyer cash needed$39,445.37
Remaining funds due$39,445.37
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%)$1,590.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$663.00
Prepaid interest, first (30 days)$1,631.50
Fees + prepaids$12,553.04
Your down payment is the seller’s equity. You take over the $318,108 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $39,445.37 is due at closing. Uses and sources reconcile at $357,553.04 each. Not a Closing Disclosure.