Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$83,484Cash toward the purchase price.
Closing costs + prepaids$9,466Not just lender fees.
Before credits & paid funds$92,949The complete starting cash picture.
Estimated remaining funds due at closing
$92,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,483.57
Your down payment$83,483.57
Closing costs + prepaids$9,465.60
Total buyer cash needed$92,949.17
Remaining funds due$92,949.17
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%)$807.58
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 (1 days)$16.02
Fees + prepaids$9,465.60
Your down payment is the seller’s equity. You take over the $161,516 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $92,949.17 is due at closing. Uses and sources reconcile at $254,465.60 each. Not a Closing Disclosure.