Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$36,524Cash toward the purchase price.
Closing costs + prepaids$12,325Not just lender fees.
Before credits & paid funds$48,849The complete starting cash picture.
Estimated remaining funds due at closing
$48,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,524.21
Your down payment$36,524.21
Closing costs + prepaids$12,324.93
Total buyer cash needed$48,849.14
Remaining funds due$48,849.14
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%)$1,542.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,368.75
Initial HOA (3 months)$174.99
Prepaid interest, first (22 days)$570.81
Fees + prepaids$12,324.93
Your down payment is the seller’s equity. You take over the $308,476 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $48,849.14 is due at closing. Uses and sources reconcile at $357,324.93 each. Not a Closing Disclosure.