Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$207,359Cash toward the purchase price.
Closing costs + prepaids$20,104Not just lender fees.
Before credits & paid funds$227,462The complete starting cash picture.
Estimated remaining funds due at closing
$227,462No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,358.75
Your down payment$207,358.75
Closing costs + prepaids$20,103.63
Total buyer cash needed$227,462.38
Remaining funds due$227,462.38
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,088.21
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$926.50
Prepaid interest, first (31 days)$1,620.93
Fees + prepaids$20,103.63
Your down payment is the seller’s equity. You take over the $617,641 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $227,462.38 is due at closing. Uses and sources reconcile at $845,103.63 each. Not a Closing Disclosure.