Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$127,868Cash toward the purchase price.
Closing costs + prepaids$18,090Not just lender fees.
Before credits & paid funds$145,957The complete starting cash picture.
Estimated remaining funds due at closing
$145,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,867.55
Your down payment$127,867.55
Closing costs + prepaids$18,089.54
Total buyer cash needed$145,957.10
Remaining funds due$145,957.10
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%)$7,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,055.66
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,137.25
Initial HOA (3 months)$75.99
Prepaid interest, first (2 days)$212.64
Fees + prepaids$18,089.54
Your down payment is the seller’s equity. You take over the $611,132 balance, so the rest of the $739,000 price is paid at closing. A second mortgage can cover part of it. $145,957.10 is due at closing. Uses and sources reconcile at $757,089.54 each. Not a Closing Disclosure.