Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$104,580Cash toward the purchase price.
Closing costs + prepaids$8,634Not just lender fees.
Before credits & paid funds$113,213The complete starting cash picture.
Estimated remaining funds due at closing
$113,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,579.56
Your down payment$104,579.56
Closing costs + prepaids$8,633.82
Total buyer cash needed$113,213.37
Remaining funds due$113,213.37
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%)$702.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$251.25
Prepaid interest, first (1 days)$12.46
Fees + prepaids$8,633.82
Your down payment is the seller’s equity. You take over the $140,420 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $113,213.37 is due at closing. Uses and sources reconcile at $253,633.82 each. Not a Closing Disclosure.