Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$144,055Cash toward the purchase price.
Closing costs + prepaids$9,755Not just lender fees.
Before credits & paid funds$153,810The complete starting cash picture.
Estimated remaining funds due at closing
$153,810No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,055.07
Your down payment$144,055.07
Closing costs + prepaids$9,755.39
Total buyer cash needed$153,810.46
Remaining funds due$153,810.46
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%)$504.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$233.00
Initial HOA (3 months)$963.00
Prepaid interest, first (31 days)$386.66
Fees + prepaids$9,755.39
Your down payment is the seller’s equity. You take over the $100,945 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $153,810.46 is due at closing. Uses and sources reconcile at $254,755.39 each. Not a Closing Disclosure.