Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$51,297Cash toward the purchase price.
Closing costs + prepaids$9,569Not just lender fees.
Before credits & paid funds$60,867The complete starting cash picture.
Estimated remaining funds due at closing
$60,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,297.32
Your down payment$51,297.32
Closing costs + prepaids$9,569.40
Total buyer cash needed$60,866.73
Remaining funds due$60,866.73
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%)$968.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$183.50
Prepaid interest, first (27 days)$749.39
Fees + prepaids$9,569.40
Your down payment is the seller’s equity. You take over the $193,703 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $60,866.73 is due at closing. Uses and sources reconcile at $254,569.40 each. Not a Closing Disclosure.