Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$229,111Cash toward the purchase price.
Closing costs + prepaids$20,785Not just lender fees.
Before credits & paid funds$249,897The complete starting cash picture.
Estimated remaining funds due at closing
$249,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,111.34
Your down payment$229,111.34
Closing costs + prepaids$20,785.31
Total buyer cash needed$249,896.65
Remaining funds due$249,896.65
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%)$2,979.44
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,062.50
Prepaid interest, first (28 days)$1,275.36
Fees + prepaids$20,785.31
Your down payment is the seller’s equity. You take over the $595,889 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $249,896.65 is due at closing. Uses and sources reconcile at $845,785.31 each. Not a Closing Disclosure.