Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$45,267Cash toward the purchase price.
Closing costs + prepaids$12,487Not just lender fees.
Before credits & paid funds$57,754The complete starting cash picture.
Estimated remaining funds due at closing
$57,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,267.39
Your down payment$45,267.39
Closing costs + prepaids$12,486.99
Total buyer cash needed$57,754.38
Remaining funds due$57,754.38
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%)$3,460.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,503.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$444.00
Initial HOA (3 months)$270.00
Prepaid interest, first (29 days)$1,591.33
Fees + prepaids$12,486.99
Your down payment is the seller’s equity. You take over the $300,733 balance, so the rest of the $346,000 price is paid at closing. A second mortgage can cover part of it. $57,754.38 is due at closing. Uses and sources reconcile at $358,486.99 each. Not a Closing Disclosure.