Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$178,213Cash toward the purchase price.
Closing costs + prepaids$19,877Not just lender fees.
Before credits & paid funds$198,091The complete starting cash picture.
Estimated remaining funds due at closing
$198,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,213.48
Your down payment$178,213.48
Closing costs + prepaids$19,877.33
Total buyer cash needed$198,090.80
Remaining funds due$198,090.80
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%)$8,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,183.93
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$978.00
Initial HOA (3 months)$600.00
Prepaid interest, first (7 days)$747.40
Fees + prepaids$19,877.33
Your down payment is the seller’s equity. You take over the $636,787 balance, so the rest of the $815,000 price is paid at closing. A second mortgage can cover part of it. $198,090.80 is due at closing. Uses and sources reconcile at $834,877.33 each. Not a Closing Disclosure.