Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$136,361Cash toward the purchase price.
Closing costs + prepaids$21,294Not just lender fees.
Before credits & paid funds$157,655The complete starting cash picture.
Estimated remaining funds due at closing
$157,655No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$136,361.48
Your down payment$136,361.48
Closing costs + prepaids$21,293.77
Total buyer cash needed$157,655.26
Remaining funds due$157,655.26
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%)$3,443.19
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$704.25
Prepaid interest, first (21 days)$2,678.33
Fees + prepaids$21,293.77
Your down payment is the seller’s equity. You take over the $688,639 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $157,655.26 is due at closing. Uses and sources reconcile at $846,293.77 each. Not a Closing Disclosure.