Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$114,703Cash toward the purchase price.
Closing costs + prepaids$19,605Not just lender fees.
Before credits & paid funds$134,307The complete starting cash picture.
Estimated remaining funds due at closing
$134,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,702.55
Your down payment$114,702.55
Closing costs + prepaids$19,604.84
Total buyer cash needed$134,307.39
Remaining funds due$134,307.39
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%)$3,501.49
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)$27.51
Prepaid interest, first (6 days)$729.84
Fees + prepaids$19,604.84
Your down payment is the seller’s equity. You take over the $700,297 balance, so the rest of the $815,000 price is paid at closing. A second mortgage can cover part of it. $134,307.39 is due at closing. Uses and sources reconcile at $834,604.84 each. Not a Closing Disclosure.