Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$117,041Cash toward the purchase price.
Closing costs + prepaids$21,141Not just lender fees.
Before credits & paid funds$138,182The complete starting cash picture.
Estimated remaining funds due at closing
$138,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,040.63
Your down payment$117,040.63
Closing costs + prepaids$21,141.38
Total buyer cash needed$138,182.01
Remaining funds due$138,182.01
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%)$7,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,159.80
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$747.25
Prepaid interest, first (31 days)$3,526.33
Fees + prepaids$21,141.38
Your down payment is the seller’s equity. You take over the $631,959 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $138,182.01 is due at closing. Uses and sources reconcile at $770,141.38 each. Not a Closing Disclosure.