Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$28,759Cash toward the purchase price.
Closing costs + prepaids$12,670Not just lender fees.
Before credits & paid funds$41,429The complete starting cash picture.
Estimated remaining funds due at closing
$41,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,758.84
Your down payment$28,758.84
Closing costs + prepaids$12,670.22
Total buyer cash needed$41,429.06
Remaining funds due$41,429.06
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%)$1,581.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$862.50
Initial HOA (3 months)$35.01
Prepaid interest, first (28 days)$1,523.50
Fees + prepaids$12,670.22
Your down payment is the seller’s equity. You take over the $316,241 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $41,429.06 is due at closing. Uses and sources reconcile at $357,670.22 each. Not a Closing Disclosure.