Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$8,811Cash toward the purchase price.
Closing costs + prepaids$9,801Not just lender fees.
Before credits & paid funds$18,612The complete starting cash picture.
Estimated remaining funds due at closing
$18,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,810.86
Your down payment$8,810.86
Closing costs + prepaids$9,800.84
Total buyer cash needed$18,611.70
Remaining funds due$18,611.70
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%)$2,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,180.45
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)$647.14
Fees + prepaids$9,800.84
Your down payment is the seller’s equity. You take over the $236,089 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $18,611.70 is due at closing. Uses and sources reconcile at $254,700.84 each. Not a Closing Disclosure.