Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$144,657Cash toward the purchase price.
Closing costs + prepaids$8,795Not just lender fees.
Before credits & paid funds$153,452The complete starting cash picture.
Estimated remaining funds due at closing
$153,452No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,657.32
Your down payment$144,657.32
Closing costs + prepaids$8,794.60
Total buyer cash needed$153,451.92
Remaining funds due$153,451.92
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%)$501.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$419.75
Prepaid interest, first (26 days)$205.14
Fees + prepaids$8,794.60
Your down payment is the seller’s equity. You take over the $100,343 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $153,451.92 is due at closing. Uses and sources reconcile at $253,794.60 each. Not a Closing Disclosure.