Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$123,157Cash toward the purchase price.
Closing costs + prepaids$21,427Not just lender fees.
Before credits & paid funds$144,585The complete starting cash picture.
Estimated remaining funds due at closing
$144,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,157.27
Your down payment$123,157.27
Closing costs + prepaids$21,427.31
Total buyer cash needed$144,584.58
Remaining funds due$144,584.58
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%)$8,090.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,429.21
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$608.50
Prepaid interest, first (25 days)$3,081.59
Fees + prepaids$21,427.31
Your down payment is the seller’s equity. You take over the $685,843 balance, so the rest of the $809,000 price is paid at closing. A second mortgage can cover part of it. $144,584.58 is due at closing. Uses and sources reconcile at $830,427.31 each. Not a Closing Disclosure.