Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$137,300Cash toward the purchase price.
Closing costs + prepaids$20,968Not just lender fees.
Before credits & paid funds$158,269The complete starting cash picture.
Estimated remaining funds due at closing
$158,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,300.45
Your down payment$137,300.45
Closing costs + prepaids$20,968.44
Total buyer cash needed$158,268.89
Remaining funds due$158,268.89
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%)$3,438.50
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,031.25
Prepaid interest, first (17 days)$2,030.69
Fees + prepaids$20,968.44
Your down payment is the seller’s equity. You take over the $687,700 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $158,268.89 is due at closing. Uses and sources reconcile at $845,968.44 each. Not a Closing Disclosure.