Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$32,602Cash toward the purchase price.
Closing costs + prepaids$12,333Not just lender fees.
Before credits & paid funds$44,936The complete starting cash picture.
Estimated remaining funds due at closing
$44,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,602.16
Your down payment$32,602.16
Closing costs + prepaids$12,333.49
Total buyer cash needed$44,935.66
Remaining funds due$44,935.66
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%)$1,561.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$431.25
Initial HOA (3 months)$50.01
Prepaid interest, first (26 days)$1,622.24
Fees + prepaids$12,333.49
Your down payment is the seller’s equity. You take over the $312,398 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $44,935.66 is due at closing. Uses and sources reconcile at $357,333.49 each. Not a Closing Disclosure.