Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$98,759Cash toward the purchase price.
Closing costs + prepaids$8,866Not just lender fees.
Before credits & paid funds$107,624The complete starting cash picture.
Estimated remaining funds due at closing
$107,624No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,758.51
Your down payment$98,758.51
Closing costs + prepaids$8,865.91
Total buyer cash needed$107,624.42
Remaining funds due$107,624.42
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%)$731.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$148.50
Prepaid interest, first (22 days)$318.21
Fees + prepaids$8,865.91
Your down payment is the seller’s equity. You take over the $146,241 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $107,624.42 is due at closing. Uses and sources reconcile at $253,865.91 each. Not a Closing Disclosure.