Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$24,797Cash toward the purchase price.
Closing costs + prepaids$12,296Not just lender fees.
Before credits & paid funds$37,093The complete starting cash picture.
Estimated remaining funds due at closing
$37,093No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,796.63
Your down payment$24,796.63
Closing costs + prepaids$12,296.08
Total buyer cash needed$37,092.71
Remaining funds due$37,092.71
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%)$1,601.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$601.50
Prepaid interest, first (25 days)$1,425.56
Fees + prepaids$12,296.08
Your down payment is the seller’s equity. You take over the $320,203 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $37,092.71 is due at closing. Uses and sources reconcile at $357,296.08 each. Not a Closing Disclosure.