Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$50,844Cash toward the purchase price.
Closing costs + prepaids$10,298Not just lender fees.
Before credits & paid funds$61,142The complete starting cash picture.
Estimated remaining funds due at closing
$61,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,843.89
Your down payment$50,843.89
Closing costs + prepaids$10,297.84
Total buyer cash needed$61,141.73
Remaining funds due$61,141.73
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%)$2,430.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$960.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$656.00
Prepaid interest, first (31 days)$1,033.06
Fees + prepaids$10,297.84
Your down payment is the seller’s equity. You take over the $192,156 balance, so the rest of the $243,000 price is paid at closing. A second mortgage can cover part of it. $61,141.73 is due at closing. Uses and sources reconcile at $253,297.84 each. Not a Closing Disclosure.