Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$24,715Cash toward the purchase price.
Closing costs + prepaids$11,862Not just lender fees.
Before credits & paid funds$36,577The complete starting cash picture.
Estimated remaining funds due at closing
$36,577No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,715.49
Your down payment$24,715.49
Closing costs + prepaids$11,861.86
Total buyer cash needed$36,577.35
Remaining funds due$36,577.35
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%)$1,601.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$250.75
Prepaid interest, first (22 days)$1,341.68
Fees + prepaids$11,861.86
Your down payment is the seller’s equity. You take over the $320,285 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $36,577.35 is due at closing. Uses and sources reconcile at $356,861.86 each. Not a Closing Disclosure.