Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$44,906Cash toward the purchase price.
Closing costs + prepaids$10,245Not just lender fees.
Before credits & paid funds$55,150The complete starting cash picture.
Estimated remaining funds due at closing
$55,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,905.65
Your down payment$44,905.65
Closing costs + prepaids$10,244.61
Total buyer cash needed$55,150.25
Remaining funds due$55,150.25
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%)$2,455.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,002.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$613.75
Prepaid interest, first (25 days)$954.88
Fees + prepaids$10,244.61
Your down payment is the seller’s equity. You take over the $200,594 balance, so the rest of the $245,500 price is paid at closing. A second mortgage can cover part of it. $55,150.25 is due at closing. Uses and sources reconcile at $255,744.61 each. Not a Closing Disclosure.