Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$144,452Cash toward the purchase price.
Closing costs + prepaids$9,084Not just lender fees.
Before credits & paid funds$153,536The complete starting cash picture.
Estimated remaining funds due at closing
$153,536No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,451.65
Your down payment$144,451.65
Closing costs + prepaids$9,084.42
Total buyer cash needed$153,536.07
Remaining funds due$153,536.07
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%)$502.24
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)$435.00
Prepaid interest, first (16 days)$173.93
Fees + prepaids$9,084.42
Your down payment is the seller’s equity. You take over the $100,448 balance, so the rest of the $244,900 price is paid at closing. A second mortgage can cover part of it. $153,536.07 is due at closing. Uses and sources reconcile at $253,984.42 each. Not a Closing Disclosure.