Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$18,766Cash toward the purchase price.
Closing costs + prepaids$10,379Not just lender fees.
Before credits & paid funds$29,145The complete starting cash picture.
Estimated remaining funds due at closing
$29,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,766.39
Your down payment$18,766.39
Closing costs + prepaids$10,378.58
Total buyer cash needed$29,144.97
Remaining funds due$29,144.97
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%)$2,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,131.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$612.50
Prepaid interest, first (24 days)$966.92
Fees + prepaids$10,378.58
Your down payment is the seller’s equity. You take over the $226,234 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $29,144.97 is due at closing. Uses and sources reconcile at $255,378.58 each. Not a Closing Disclosure.