Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$55,115Cash toward the purchase price.
Closing costs + prepaids$8,775Not just lender fees.
Before credits & paid funds$63,890The complete starting cash picture.
Estimated remaining funds due at closing
$63,890No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,115.48
Your down payment$55,115.48
Closing costs + prepaids$8,774.71
Total buyer cash needed$63,890.19
Remaining funds due$63,890.19
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%)$2,445.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$946.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$132.00
Prepaid interest, first (1 days)$32.79
Fees + prepaids$8,774.71
Your down payment is the seller’s equity. You take over the $189,385 balance, so the rest of the $244,500 price is paid at closing. A second mortgage can cover part of it. $63,890.19 is due at closing. Uses and sources reconcile at $253,274.71 each. Not a Closing Disclosure.