Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$16,110Cash toward the purchase price.
Closing costs + prepaids$12,462Not just lender fees.
Before credits & paid funds$28,572The complete starting cash picture.
Estimated remaining funds due at closing
$28,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,110.02
Your down payment$16,110.02
Closing costs + prepaids$12,462.46
Total buyer cash needed$28,572.48
Remaining funds due$28,572.48
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%)$1,644.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$516.00
Initial HOA (3 months)$318.00
Prepaid interest, first (23 days)$1,316.01
Fees + prepaids$12,462.46
Your down payment is the seller’s equity. You take over the $328,890 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $28,572.48 is due at closing. Uses and sources reconcile at $357,462.46 each. Not a Closing Disclosure.