Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$49,821Cash toward the purchase price.
Closing costs + prepaids$13,471Not just lender fees.
Before credits & paid funds$63,292The complete starting cash picture.
Estimated remaining funds due at closing
$63,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,821.21
Your down payment$49,821.21
Closing costs + prepaids$13,471.26
Total buyer cash needed$63,292.47
Remaining funds due$63,292.47
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%)$1,475.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,318.50
Prepaid interest, first (25 days)$1,008.86
Fees + prepaids$13,471.26
Your down payment is the seller’s equity. You take over the $295,179 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $63,292.47 is due at closing. Uses and sources reconcile at $358,471.26 each. Not a Closing Disclosure.