Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$85,083Cash toward the purchase price.
Closing costs + prepaids$9,416Not just lender fees.
Before credits & paid funds$94,500The complete starting cash picture.
Estimated remaining funds due at closing
$94,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,083.33
Your down payment$85,083.33
Closing costs + prepaids$9,416.37
Total buyer cash needed$94,499.70
Remaining funds due$94,499.70
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%)$2,459.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$804.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$614.75
Prepaid interest, first (25 days)$320.53
Fees + prepaids$9,416.37
Your down payment is the seller’s equity. You take over the $160,817 balance, so the rest of the $245,900 price is paid at closing. A second mortgage can cover part of it. $94,499.70 is due at closing. Uses and sources reconcile at $255,316.37 each. Not a Closing Disclosure.