Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$59,007Cash toward the purchase price.
Closing costs + prepaids$13,521Not just lender fees.
Before credits & paid funds$72,528The complete starting cash picture.
Estimated remaining funds due at closing
$72,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,006.83
Your down payment$59,006.83
Closing costs + prepaids$13,520.75
Total buyer cash needed$72,527.58
Remaining funds due$72,527.58
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%)$1,429.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$861.25
Initial HOA (3 months)$1,311.00
Prepaid interest, first (24 days)$1,250.53
Fees + prepaids$13,520.75
Your down payment is the seller’s equity. You take over the $285,993 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $72,527.58 is due at closing. Uses and sources reconcile at $358,520.75 each. Not a Closing Disclosure.