Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$202,255Cash toward the purchase price.
Closing costs + prepaids$8,701Not just lender fees.
Before credits & paid funds$210,956The complete starting cash picture.
Estimated remaining funds due at closing
$210,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,254.99
Your down payment$202,254.99
Closing costs + prepaids$8,700.79
Total buyer cash needed$210,955.78
Remaining funds due$210,955.78
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%)$213.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$612.50
Prepaid interest, first (31 days)$206.57
Fees + prepaids$8,700.79
Your down payment is the seller’s equity. You take over the $42,745 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $210,955.78 is due at closing. Uses and sources reconcile at $253,700.79 each. Not a Closing Disclosure.