Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$188,943Cash toward the purchase price.
Closing costs + prepaids$24,998Not just lender fees.
Before credits & paid funds$213,941The complete starting cash picture.
Estimated remaining funds due at closing
$213,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,942.95
Your down payment$188,942.95
Closing costs + prepaids$24,998.05
Total buyer cash needed$213,941.00
Remaining funds due$213,941.00
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%)$3,180.29
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,913.00
Initial HOA (3 months)$2,079.00
Prepaid interest, first (22 days)$2,357.77
Fees + prepaids$24,998.05
Your down payment is the seller’s equity. You take over the $636,057 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $213,941.00 is due at closing. Uses and sources reconcile at $849,998.05 each. Not a Closing Disclosure.