Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$53,995Cash toward the purchase price.
Closing costs + prepaids$9,353Not just lender fees.
Before credits & paid funds$63,348The complete starting cash picture.
Estimated remaining funds due at closing
$63,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,994.71
Your down payment$53,994.71
Closing costs + prepaids$9,353.02
Total buyer cash needed$63,347.73
Remaining funds due$63,347.73
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%)$955.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$285.50
Prepaid interest, first (31 days)$444.49
Fees + prepaids$9,353.02
Your down payment is the seller’s equity. You take over the $191,005 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $63,347.73 is due at closing. Uses and sources reconcile at $254,353.02 each. Not a Closing Disclosure.