Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$117,484Cash toward the purchase price.
Closing costs + prepaids$22,127Not just lender fees.
Before credits & paid funds$139,611The complete starting cash picture.
Estimated remaining funds due at closing
$139,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,484.23
Your down payment$117,484.23
Closing costs + prepaids$22,126.87
Total buyer cash needed$139,611.10
Remaining funds due$139,611.10
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%)$7,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,112.58
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,850.00
Prepaid interest, first (29 days)$3,546.29
Fees + prepaids$22,126.87
Your down payment is the seller’s equity. You take over the $622,516 balance, so the rest of the $740,000 price is paid at closing. A second mortgage can cover part of it. $139,611.10 is due at closing. Uses and sources reconcile at $762,126.87 each. Not a Closing Disclosure.