Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$107,592Cash toward the purchase price.
Closing costs + prepaids$21,146Not just lender fees.
Before credits & paid funds$128,738The complete starting cash picture.
Estimated remaining funds due at closing
$128,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,592.24
Your down payment$107,592.24
Closing costs + prepaids$21,145.80
Total buyer cash needed$128,738.04
Remaining funds due$128,738.04
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%)$7,395.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,159.54
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,848.75
Prepaid interest, first (23 days)$2,524.51
Fees + prepaids$21,145.80
Your down payment is the seller’s equity. You take over the $631,908 balance, so the rest of the $739,500 price is paid at closing. A second mortgage can cover part of it. $128,738.04 is due at closing. Uses and sources reconcile at $760,645.80 each. Not a Closing Disclosure.