Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$34,226Cash toward the purchase price.
Closing costs + prepaids$11,087Not just lender fees.
Before credits & paid funds$45,313The complete starting cash picture.
Estimated remaining funds due at closing
$45,313No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,225.77
Your down payment$34,225.77
Closing costs + prepaids$11,087.27
Total buyer cash needed$45,313.03
Remaining funds due$45,313.03
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%)$1,053.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$294.00
Initial HOA (3 months)$1,815.00
Prepaid interest, first (12 days)$256.39
Fees + prepaids$11,087.27
Your down payment is the seller’s equity. You take over the $210,774 balance, so the rest of the $245,000 price is paid at closing. A second mortgage can cover part of it. $45,313.03 is due at closing. Uses and sources reconcile at $256,087.27 each. Not a Closing Disclosure.