Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$122,218Cash toward the purchase price.
Closing costs + prepaids$17,795Not just lender fees.
Before credits & paid funds$140,013The complete starting cash picture.
Estimated remaining funds due at closing
$140,013No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,218.25
Your down payment$122,218.25
Closing costs + prepaids$17,795.13
Total buyer cash needed$140,013.38
Remaining funds due$140,013.38
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%)$7,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,113.41
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$781.00
Prepaid interest, first (2 days)$233.72
Fees + prepaids$17,795.13
Your down payment is the seller’s equity. You take over the $622,682 balance, so the rest of the $744,900 price is paid at closing. A second mortgage can cover part of it. $140,013.38 is due at closing. Uses and sources reconcile at $762,695.13 each. Not a Closing Disclosure.