Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$58,273Cash toward the purchase price.
Closing costs + prepaids$9,496Not just lender fees.
Before credits & paid funds$67,769The complete starting cash picture.
Estimated remaining funds due at closing
$67,769No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,273.14
Your down payment$58,273.14
Closing costs + prepaids$9,495.55
Total buyer cash needed$67,768.69
Remaining funds due$67,768.69
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%)$933.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$480.25
Prepaid interest, first (26 days)$413.66
Fees + prepaids$9,495.55
Your down payment is the seller’s equity. You take over the $186,727 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $67,768.69 is due at closing. Uses and sources reconcile at $254,495.55 each. Not a Closing Disclosure.