Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$136,714Cash toward the purchase price.
Closing costs + prepaids$17,356Not just lender fees.
Before credits & paid funds$154,070The complete starting cash picture.
Estimated remaining funds due at closing
$154,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,713.65
Your down payment$136,713.65
Closing costs + prepaids$17,356.36
Total buyer cash needed$154,070.02
Remaining funds due$154,070.02
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%)$6,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,741.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$724.75
Initial HOA (3 months)$399.00
Prepaid interest, first (22 days)$1,173.18
Fees + prepaids$17,356.36
Your down payment is the seller’s equity. You take over the $548,286 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $154,070.02 is due at closing. Uses and sources reconcile at $702,356.36 each. Not a Closing Disclosure.