Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$125,740Cash toward the purchase price.
Closing costs + prepaids$22,196Not just lender fees.
Before credits & paid funds$147,936The complete starting cash picture.
Estimated remaining funds due at closing
$147,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,739.68
Your down payment$125,739.68
Closing costs + prepaids$22,195.91
Total buyer cash needed$147,935.59
Remaining funds due$147,935.59
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%)$8,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,746.30
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,085.00
Prepaid interest, first (25 days)$2,396.61
Fees + prepaids$22,195.91
Your down payment is the seller’s equity. You take over the $749,260 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $147,935.59 is due at closing. Uses and sources reconcile at $897,195.91 each. Not a Closing Disclosure.