Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$180,815Cash toward the purchase price.
Closing costs + prepaids$8,572Not just lender fees.
Before credits & paid funds$189,387The complete starting cash picture.
Estimated remaining funds due at closing
$189,387No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,814.80
Your down payment$180,814.80
Closing costs + prepaids$8,572.49
Total buyer cash needed$189,387.28
Remaining funds due$189,387.28
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%)$320.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$459.50
Prepaid interest, first (17 days)$124.06
Fees + prepaids$8,572.49
Your down payment is the seller’s equity. You take over the $64,185 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $189,387.28 is due at closing. Uses and sources reconcile at $253,572.49 each. Not a Closing Disclosure.