Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$58,273Cash toward the purchase price.
Closing costs + prepaids$9,147Not just lender fees.
Before credits & paid funds$67,420The complete starting cash picture.
Estimated remaining funds due at closing
$67,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,273.14
Your down payment$58,273.14
Closing costs + prepaids$9,146.54
Total buyer cash needed$67,419.68
Remaining funds due$67,419.68
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%)$933.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$306.25
Prepaid interest, first (15 days)$238.65
Fees + prepaids$9,146.54
Your down payment is the seller’s equity. You take over the $186,727 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $67,419.68 is due at closing. Uses and sources reconcile at $254,146.54 each. Not a Closing Disclosure.