Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$114,639Cash toward the purchase price.
Closing costs + prepaids$20,696Not just lender fees.
Before credits & paid funds$135,336The complete starting cash picture.
Estimated remaining funds due at closing
$135,336No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$114,639.48
Your down payment$114,639.48
Closing costs + prepaids$20,696.38
Total buyer cash needed$135,335.87
Remaining funds due$135,335.87
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%)$7,149.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,001.30
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,787.25
Prepaid interest, first (25 days)$2,540.83
Fees + prepaids$20,696.38
Your down payment is the seller’s equity. You take over the $600,261 balance, so the rest of the $714,900 price is paid at closing. A second mortgage can cover part of it. $135,335.87 is due at closing. Uses and sources reconcile at $735,596.38 each. Not a Closing Disclosure.