Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$123,454Cash toward the purchase price.
Closing costs + prepaids$19,489Not just lender fees.
Before credits & paid funds$142,944The complete starting cash picture.
Estimated remaining funds due at closing
$142,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,454.35
Your down payment$123,454.35
Closing costs + prepaids$19,489.29
Total buyer cash needed$142,943.64
Remaining funds due$142,943.64
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%)$7,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,957.73
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$861.50
Initial HOA (3 months)$31.50
Prepaid interest, first (30 days)$2,270.56
Fees + prepaids$19,489.29
Your down payment is the seller’s equity. You take over the $591,546 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $142,943.64 is due at closing. Uses and sources reconcile at $734,489.29 each. Not a Closing Disclosure.