Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$125,191Cash toward the purchase price.
Closing costs + prepaids$23,006Not just lender fees.
Before credits & paid funds$148,197The complete starting cash picture.
Estimated remaining funds due at closing
$148,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,191.24
Your down payment$125,191.24
Closing costs + prepaids$23,006.08
Total buyer cash needed$148,197.32
Remaining funds due$148,197.32
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%)$8,099.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,424.04
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,025.00
Prepaid interest, first (26 days)$3,239.05
Fees + prepaids$23,006.08
Your down payment is the seller’s equity. You take over the $684,808 balance, so the rest of the $809,999 price is paid at closing. A second mortgage can cover part of it. $148,197.32 is due at closing. Uses and sources reconcile at $833,005.08 each. Not a Closing Disclosure.