Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$71,174Cash toward the purchase price.
Closing costs + prepaids$9,051Not just lender fees.
Before credits & paid funds$80,225The complete starting cash picture.
Estimated remaining funds due at closing
$80,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,173.54
Your down payment$71,173.54
Closing costs + prepaids$9,051.28
Total buyer cash needed$80,224.82
Remaining funds due$80,224.82
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%)$869.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$102.25
Prepaid interest, first (31 days)$411.90
Fees + prepaids$9,051.28
Your down payment is the seller’s equity. You take over the $173,826 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $80,224.82 is due at closing. Uses and sources reconcile at $254,051.28 each. Not a Closing Disclosure.