Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$206,001Cash toward the purchase price.
Closing costs + prepaids$18,542Not just lender fees.
Before credits & paid funds$224,543The complete starting cash picture.
Estimated remaining funds due at closing
$224,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,001.27
Your down payment$206,001.27
Closing costs + prepaids$18,541.90
Total buyer cash needed$224,543.17
Remaining funds due$224,543.17
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%)$3,094.99
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 (1 days)$52.40
Fees + prepaids$18,541.90
Your down payment is the seller’s equity. You take over the $618,999 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $224,543.17 is due at closing. Uses and sources reconcile at $843,541.90 each. Not a Closing Disclosure.