Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$45,524Cash toward the purchase price.
Closing costs + prepaids$12,324Not just lender fees.
Before credits & paid funds$57,849The complete starting cash picture.
Estimated remaining funds due at closing
$57,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,524.27
Your down payment$45,524.27
Closing costs + prepaids$12,324.32
Total buyer cash needed$57,848.59
Remaining funds due$57,848.59
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%)$1,497.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$862.50
Prepaid interest, first (23 days)$1,296.44
Fees + prepaids$12,324.32
Your down payment is the seller’s equity. You take over the $299,476 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $57,848.59 is due at closing. Uses and sources reconcile at $357,324.32 each. Not a Closing Disclosure.