Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$224,783Cash toward the purchase price.
Closing costs + prepaids$20,157Not just lender fees.
Before credits & paid funds$244,940The complete starting cash picture.
Estimated remaining funds due at closing
$244,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,782.84
Your down payment$224,782.84
Closing costs + prepaids$20,156.84
Total buyer cash needed$244,939.68
Remaining funds due$244,939.68
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%)$3,001.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$450.00
Initial HOA (3 months)$99.99
Prepaid interest, first (26 days)$2,137.76
Fees + prepaids$20,156.84
Your down payment is the seller’s equity. You take over the $600,217 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $244,939.68 is due at closing. Uses and sources reconcile at $845,156.84 each. Not a Closing Disclosure.