Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$35,287Cash toward the purchase price.
Closing costs + prepaids$9,882Not just lender fees.
Before credits & paid funds$45,169The complete starting cash picture.
Estimated remaining funds due at closing
$45,169No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,286.82
Your down payment$35,286.82
Closing costs + prepaids$9,882.10
Total buyer cash needed$45,168.92
Remaining funds due$45,168.92
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%)$1,048.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$306.25
Initial HOA (3 months)$330.00
Prepaid interest, first (14 days)$529.28
Fees + prepaids$9,882.10
Your down payment is the seller’s equity. You take over the $209,713 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $45,168.92 is due at closing. Uses and sources reconcile at $254,882.10 each. Not a Closing Disclosure.