Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$135,700Cash toward the purchase price.
Closing costs + prepaids$18,746Not just lender fees.
Before credits & paid funds$154,446The complete starting cash picture.
Estimated remaining funds due at closing
$154,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,699.70
Your down payment$135,699.70
Closing costs + prepaids$18,746.41
Total buyer cash needed$154,446.11
Remaining funds due$154,446.11
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%)$3,446.50
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 (1 days)$127.66
Fees + prepaids$18,746.41
Your down payment is the seller’s equity. You take over the $689,300 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $154,446.11 is due at closing. Uses and sources reconcile at $843,746.41 each. Not a Closing Disclosure.