Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$121,450Cash toward the purchase price.
Closing costs + prepaids$18,402Not just lender fees.
Before credits & paid funds$139,851The complete starting cash picture.
Estimated remaining funds due at closing
$139,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,449.64
Your down payment$121,449.64
Closing costs + prepaids$18,401.67
Total buyer cash needed$139,851.31
Remaining funds due$139,851.31
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%)$7,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,967.75
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$604.00
Prepaid interest, first (31 days)$1,461.92
Fees + prepaids$18,401.67
Your down payment is the seller’s equity. You take over the $593,550 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $139,851.31 is due at closing. Uses and sources reconcile at $733,401.67 each. Not a Closing Disclosure.