Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$3,850Cash toward the purchase price.
Closing costs + prepaids$12,826Not just lender fees.
Before credits & paid funds$16,676The complete starting cash picture.
Estimated remaining funds due at closing
$16,676No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,849.59
Your down payment$3,849.59
Closing costs + prepaids$12,825.94
Total buyer cash needed$16,675.53
Remaining funds due$16,675.53
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%)$1,705.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$414.00
Initial HOA (3 months)$1,626.00
Prepaid interest, first (7 days)$412.18
Fees + prepaids$12,825.94
Your down payment is the seller’s equity. You take over the $341,150 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $16,675.53 is due at closing. Uses and sources reconcile at $357,825.94 each. Not a Closing Disclosure.