Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$42,407Cash toward the purchase price.
Closing costs + prepaids$12,584Not just lender fees.
Before credits & paid funds$54,990The complete starting cash picture.
Estimated remaining funds due at closing
$54,990No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,406.76
Your down payment$42,406.76
Closing costs + prepaids$12,583.73
Total buyer cash needed$54,990.49
Remaining funds due$54,990.49
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%)$1,512.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$862.50
Initial HOA (3 months)$50.01
Prepaid interest, first (28 days)$1,490.25
Fees + prepaids$12,583.73
Your down payment is the seller’s equity. You take over the $302,593 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $54,990.49 is due at closing. Uses and sources reconcile at $357,583.73 each. Not a Closing Disclosure.