Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$83,850Cash toward the purchase price.
Closing costs + prepaids$9,879Not just lender fees.
Before credits & paid funds$93,729The complete starting cash picture.
Estimated remaining funds due at closing
$93,729No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,849.57
Your down payment$83,849.57
Closing costs + prepaids$9,879.28
Total buyer cash needed$93,728.85
Remaining funds due$93,728.85
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%)$805.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$185.00
Initial HOA (3 months)$789.00
Prepaid interest, first (27 days)$431.53
Fees + prepaids$9,879.28
Your down payment is the seller’s equity. You take over the $161,150 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $93,728.85 is due at closing. Uses and sources reconcile at $254,879.28 each. Not a Closing Disclosure.