Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$25,052Cash toward the purchase price.
Closing costs + prepaids$10,246Not just lender fees.
Before credits & paid funds$35,297The complete starting cash picture.
Estimated remaining funds due at closing
$35,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,051.68
Your down payment$25,051.68
Closing costs + prepaids$10,245.55
Total buyer cash needed$35,297.24
Remaining funds due$35,297.24
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%)$1,099.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$941.50
Prepaid interest, first (25 days)$536.31
Fees + prepaids$10,245.55
Your down payment is the seller’s equity. You take over the $219,948 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $35,297.24 is due at closing. Uses and sources reconcile at $255,245.55 each. Not a Closing Disclosure.