Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$125,461Cash toward the purchase price.
Closing costs + prepaids$23,610Not just lender fees.
Before credits & paid funds$149,071The complete starting cash picture.
Estimated remaining funds due at closing
$149,071No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,460.83
Your down payment$125,460.83
Closing costs + prepaids$23,609.88
Total buyer cash needed$149,070.71
Remaining funds due$149,070.71
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%)$8,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,472.20
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,779.00
Initial HOA (3 months)$315.00
Prepaid interest, first (27 days)$3,626.68
Fees + prepaids$23,609.88
Your down payment is the seller’s equity. You take over the $694,439 balance, so the rest of the $819,900 price is paid at closing. A second mortgage can cover part of it. $149,070.71 is due at closing. Uses and sources reconcile at $843,509.88 each. Not a Closing Disclosure.