Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$26,658Cash toward the purchase price.
Closing costs + prepaids$12,097Not just lender fees.
Before credits & paid funds$38,755The complete starting cash picture.
Estimated remaining funds due at closing
$38,755No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,658.35
Your down payment$26,658.35
Closing costs + prepaids$12,096.61
Total buyer cash needed$38,754.96
Remaining funds due$38,754.96
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%)$1,591.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$6.75
Initial HOA (3 months)$45.00
Prepaid interest, first (28 days)$1,785.16
Fees + prepaids$12,096.61
Your down payment is the seller’s equity. You take over the $318,342 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $38,754.96 is due at closing. Uses and sources reconcile at $357,096.61 each. Not a Closing Disclosure.