Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$86,111Cash toward the purchase price.
Closing costs + prepaids$19,633Not just lender fees.
Before credits & paid funds$105,744The complete starting cash picture.
Estimated remaining funds due at closing
$105,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,110.90
Your down payment$86,110.90
Closing costs + prepaids$19,633.41
Total buyer cash needed$105,744.31
Remaining funds due$105,744.31
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%)$7,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,264.45
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$202.00
Prepaid interest, first (23 days)$2,558.97
Fees + prepaids$19,633.41
Your down payment is the seller’s equity. You take over the $652,889 balance, so the rest of the $739,000 price is paid at closing. A second mortgage can cover part of it. $105,744.31 is due at closing. Uses and sources reconcile at $758,633.41 each. Not a Closing Disclosure.