Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$53,036Cash toward the purchase price.
Closing costs + prepaids$9,284Not just lender fees.
Before credits & paid funds$62,320The complete starting cash picture.
Estimated remaining funds due at closing
$62,320No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,035.58
Your down payment$53,035.58
Closing costs + prepaids$9,283.97
Total buyer cash needed$62,319.55
Remaining funds due$62,319.55
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%)$2,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$954.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$285.50
Prepaid interest, first (27 days)$385.64
Fees + prepaids$9,283.97
Your down payment is the seller’s equity. You take over the $190,964 balance, so the rest of the $244,000 price is paid at closing. A second mortgage can cover part of it. $62,319.55 is due at closing. Uses and sources reconcile at $253,283.97 each. Not a Closing Disclosure.