Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$121,194Cash toward the purchase price.
Closing costs + prepaids$26,144Not just lender fees.
Before credits & paid funds$147,338The complete starting cash picture.
Estimated remaining funds due at closing
$147,338No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,193.84
Your down payment$121,193.84
Closing costs + prepaids$26,143.66
Total buyer cash needed$147,337.50
Remaining funds due$147,337.50
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%)$8,599.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,693.98
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,156.50
Prepaid interest, first (30 days)$4,475.28
Fees + prepaids$26,143.66
Your down payment is the seller’s equity. You take over the $738,796 balance, so the rest of the $859,990 price is paid at closing. A second mortgage can cover part of it. $147,337.50 is due at closing. Uses and sources reconcile at $886,133.66 each. Not a Closing Disclosure.