Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$135,791Cash toward the purchase price.
Closing costs + prepaids$16,632Not just lender fees.
Before credits & paid funds$152,423The complete starting cash picture.
Estimated remaining funds due at closing
$152,423No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,790.87
Your down payment$135,790.87
Closing costs + prepaids$16,632.19
Total buyer cash needed$152,423.06
Remaining funds due$152,423.06
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%)$6,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,746.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$822.00
Initial HOA (3 months)$249.00
Prepaid interest, first (7 days)$497.15
Fees + prepaids$16,632.19
Your down payment is the seller’s equity. You take over the $549,209 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $152,423.06 is due at closing. Uses and sources reconcile at $701,632.19 each. Not a Closing Disclosure.