Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$133,563Cash toward the purchase price.
Closing costs + prepaids$20,627Not just lender fees.
Before credits & paid funds$154,190The complete starting cash picture.
Estimated remaining funds due at closing
$154,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,562.58
Your down payment$133,562.58
Closing costs + prepaids$20,626.93
Total buyer cash needed$154,189.51
Remaining funds due$154,189.51
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%)$8,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,607.19
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,137.50
Prepaid interest, first (1 days)$114.24
Fees + prepaids$20,626.93
Your down payment is the seller’s equity. You take over the $721,437 balance, so the rest of the $855,000 price is paid at closing. A second mortgage can cover part of it. $154,189.51 is due at closing. Uses and sources reconcile at $875,626.93 each. Not a Closing Disclosure.