Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$137,076Cash toward the purchase price.
Closing costs + prepaids$22,360Not just lender fees.
Before credits & paid funds$159,436The complete starting cash picture.
Estimated remaining funds due at closing
$159,436No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,075.56
Your down payment$137,075.56
Closing costs + prepaids$22,360.06
Total buyer cash needed$159,435.61
Remaining funds due$159,435.61
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%)$8,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,809.62
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,206.75
Prepaid interest, first (1 days)$135.69
Fees + prepaids$22,360.06
Your down payment is the seller’s equity. You take over the $761,924 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $159,435.61 is due at closing. Uses and sources reconcile at $921,360.06 each. Not a Closing Disclosure.