Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$122,216Cash toward the purchase price.
Closing costs + prepaids$20,598Not just lender fees.
Before credits & paid funds$142,814The complete starting cash picture.
Estimated remaining funds due at closing
$142,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,215.70
Your down payment$122,215.70
Closing costs + prepaids$20,598.49
Total buyer cash needed$142,814.18
Remaining funds due$142,814.18
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%)$3,513.92
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$304.50
Prepaid interest, first (19 days)$2,312.06
Fees + prepaids$20,598.49
Your down payment is the seller’s equity. You take over the $702,784 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $142,814.18 is due at closing. Uses and sources reconcile at $845,598.49 each. Not a Closing Disclosure.