Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$18,814Cash toward the purchase price.
Closing costs + prepaids$9,733Not just lender fees.
Before credits & paid funds$28,547The complete starting cash picture.
Estimated remaining funds due at closing
$28,547No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,814.16
Your down payment$18,814.16
Closing costs + prepaids$9,732.61
Total buyer cash needed$28,546.77
Remaining funds due$28,546.77
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%)$1,130.93
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)$627.43
Fees + prepaids$9,732.61
Your down payment is the seller’s equity. You take over the $226,186 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $28,546.77 is due at closing. Uses and sources reconcile at $254,732.61 each. Not a Closing Disclosure.