Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$207,359Cash toward the purchase price.
Closing costs + prepaids$19,528Not just lender fees.
Before credits & paid funds$226,887The complete starting cash picture.
Estimated remaining funds due at closing
$226,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,358.75
Your down payment$207,358.75
Closing costs + prepaids$19,528.47
Total buyer cash needed$226,887.22
Remaining funds due$226,887.22
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%)$3,088.21
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$926.50
Prepaid interest, first (20 days)$1,045.76
Fees + prepaids$19,528.47
Your down payment is the seller’s equity. You take over the $617,641 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $226,887.22 is due at closing. Uses and sources reconcile at $844,528.47 each. Not a Closing Disclosure.