Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$71,363Cash toward the purchase price.
Closing costs + prepaids$10,553Not just lender fees.
Before credits & paid funds$81,917The complete starting cash picture.
Estimated remaining funds due at closing
$81,917No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,363.28
Your down payment$71,363.28
Closing costs + prepaids$10,553.33
Total buyer cash needed$81,916.61
Remaining funds due$81,916.61
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%)$868.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,446.00
Prepaid interest, first (23 days)$571.15
Fees + prepaids$10,553.33
Your down payment is the seller’s equity. You take over the $173,637 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $81,916.61 is due at closing. Uses and sources reconcile at $255,553.33 each. Not a Closing Disclosure.