Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$60,950Cash toward the purchase price.
Closing costs + prepaids$10,938Not just lender fees.
Before credits & paid funds$71,888The complete starting cash picture.
Estimated remaining funds due at closing
$71,888No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,950.06
Your down payment$60,950.06
Closing costs + prepaids$10,937.80
Total buyer cash needed$71,887.86
Remaining funds due$71,887.86
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%)$920.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,016.75
Prepaid interest, first (22 days)$332.80
Fees + prepaids$10,937.80
Your down payment is the seller’s equity. You take over the $184,050 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $71,887.86 is due at closing. Uses and sources reconcile at $255,937.80 each. Not a Closing Disclosure.