Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$106,832Cash toward the purchase price.
Closing costs + prepaids$18,735Not just lender fees.
Before credits & paid funds$125,567The complete starting cash picture.
Estimated remaining funds due at closing
$125,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,832.39
Your down payment$106,832.39
Closing costs + prepaids$18,734.98
Total buyer cash needed$125,567.37
Remaining funds due$125,567.37
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%)$7,395.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,163.34
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,848.75
Prepaid interest, first (1 days)$109.89
Fees + prepaids$18,734.98
Your down payment is the seller’s equity. You take over the $632,668 balance, so the rest of the $739,500 price is paid at closing. A second mortgage can cover part of it. $125,567.37 is due at closing. Uses and sources reconcile at $758,234.98 each. Not a Closing Disclosure.