Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$139,717Cash toward the purchase price.
Closing costs + prepaids$17,540Not just lender fees.
Before credits & paid funds$157,257The complete starting cash picture.
Estimated remaining funds due at closing
$157,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,717.07
Your down payment$139,717.07
Closing costs + prepaids$17,539.54
Total buyer cash needed$157,256.61
Remaining funds due$157,256.61
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%)$7,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,926.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$706.25
Initial HOA (3 months)$330.00
Prepaid interest, first (1 days)$108.88
Fees + prepaids$17,539.54
Your down payment is the seller’s equity. You take over the $585,283 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $157,256.61 is due at closing. Uses and sources reconcile at $742,539.54 each. Not a Closing Disclosure.