Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$27,219Cash toward the purchase price.
Closing costs + prepaids$13,124Not just lender fees.
Before credits & paid funds$40,343The complete starting cash picture.
Estimated remaining funds due at closing
$40,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,219.13
Your down payment$27,219.13
Closing costs + prepaids$13,123.70
Total buyer cash needed$40,342.83
Remaining funds due$40,342.83
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%)$1,588.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$395.25
Initial HOA (3 months)$930.00
Prepaid interest, first (26 days)$1,541.54
Fees + prepaids$13,123.70
Your down payment is the seller’s equity. You take over the $317,781 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $40,342.83 is due at closing. Uses and sources reconcile at $358,123.70 each. Not a Closing Disclosure.