Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$33,098Cash toward the purchase price.
Closing costs + prepaids$11,525Not just lender fees.
Before credits & paid funds$44,622The complete starting cash picture.
Estimated remaining funds due at closing
$44,622No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,097.91
Your down payment$33,097.91
Closing costs + prepaids$11,524.50
Total buyer cash needed$44,622.42
Remaining funds due$44,622.42
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%)$1,559.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$431.25
Initial HOA (3 months)$147.00
Prepaid interest, first (13 days)$718.74
Fees + prepaids$11,524.50
Your down payment is the seller’s equity. You take over the $311,902 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $44,622.42 is due at closing. Uses and sources reconcile at $356,524.50 each. Not a Closing Disclosure.