Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$13,252Cash toward the purchase price.
Closing costs + prepaids$11,058Not just lender fees.
Before credits & paid funds$24,311The complete starting cash picture.
Estimated remaining funds due at closing
$24,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,252.33
Your down payment$13,252.33
Closing costs + prepaids$11,058.40
Total buyer cash needed$24,310.73
Remaining funds due$24,310.73
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%)$1,158.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$737.75
Initial HOA (3 months)$540.00
Prepaid interest, first (24 days)$953.91
Fees + prepaids$11,058.40
Your down payment is the seller’s equity. You take over the $231,748 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $24,310.73 is due at closing. Uses and sources reconcile at $256,058.40 each. Not a Closing Disclosure.