Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$121,460Cash toward the purchase price.
Closing costs + prepaids$18,412Not just lender fees.
Before credits & paid funds$139,872The complete starting cash picture.
Estimated remaining funds due at closing
$139,872No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,459.98
Your down payment$121,459.98
Closing costs + prepaids$18,412.02
Total buyer cash needed$139,872.00
Remaining funds due$139,872.00
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%)$8,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,517.70
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$304.50
Prepaid interest, first (1 days)$121.82
Fees + prepaids$18,412.02
Your down payment is the seller’s equity. You take over the $703,540 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $139,872.00 is due at closing. Uses and sources reconcile at $843,412.02 each. Not a Closing Disclosure.