Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$81,932Cash toward the purchase price.
Closing costs + prepaids$9,365Not just lender fees.
Before credits & paid funds$91,297The complete starting cash picture.
Estimated remaining funds due at closing
$91,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,931.93
Your down payment$81,931.93
Closing costs + prepaids$9,364.68
Total buyer cash needed$91,296.61
Remaining funds due$91,296.61
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%)$815.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$479.25
Prepaid interest, first (24 days)$402.09
Fees + prepaids$9,364.68
Your down payment is the seller’s equity. You take over the $163,068 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $91,296.61 is due at closing. Uses and sources reconcile at $254,364.68 each. Not a Closing Disclosure.