Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$195,509Cash toward the purchase price.
Closing costs + prepaids$21,784Not just lender fees.
Before credits & paid funds$217,293The complete starting cash picture.
Estimated remaining funds due at closing
$217,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,509.06
Your down payment$195,509.06
Closing costs + prepaids$21,783.62
Total buyer cash needed$217,292.69
Remaining funds due$217,292.69
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%)$8,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,122.45
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,050.00
Initial HOA (3 months)$157.50
Prepaid interest, first (18 days)$2,035.67
Fees + prepaids$21,783.62
Your down payment is the seller’s equity. You take over the $624,491 balance, so the rest of the $820,000 price is paid at closing. A second mortgage can cover part of it. $217,292.69 is due at closing. Uses and sources reconcile at $841,783.62 each. Not a Closing Disclosure.