Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$95,943Cash toward the purchase price.
Closing costs + prepaids$17,180Not just lender fees.
Before credits & paid funds$113,123The complete starting cash picture.
Estimated remaining funds due at closing
$113,123No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,943.14
Your down payment$95,943.14
Closing costs + prepaids$17,179.82
Total buyer cash needed$113,122.96
Remaining funds due$113,122.96
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%)$7,360.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,200.28
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$312.00
Initial HOA (3 months)$5.01
Prepaid interest, first (1 days)$84.52
Fees + prepaids$17,179.82
Your down payment is the seller’s equity. You take over the $640,057 balance, so the rest of the $736,000 price is paid at closing. A second mortgage can cover part of it. $113,122.96 is due at closing. Uses and sources reconcile at $753,179.82 each. Not a Closing Disclosure.