Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$16,556Cash toward the purchase price.
Closing costs + prepaids$10,593Not just lender fees.
Before credits & paid funds$27,149The complete starting cash picture.
Estimated remaining funds due at closing
$27,149No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,555.80
Your down payment$16,555.80
Closing costs + prepaids$10,593.39
Total buyer cash needed$27,149.19
Remaining funds due$27,149.19
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%)$1,142.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$764.75
Prepaid interest, first (24 days)$1,018.42
Fees + prepaids$10,593.39
Your down payment is the seller’s equity. You take over the $228,444 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $27,149.19 is due at closing. Uses and sources reconcile at $255,593.39 each. Not a Closing Disclosure.