Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$101,171Cash toward the purchase price.
Closing costs + prepaids$18,815Not just lender fees.
Before credits & paid funds$119,986The complete starting cash picture.
Estimated remaining funds due at closing
$119,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,171.09
Your down payment$101,171.09
Closing costs + prepaids$18,815.05
Total buyer cash needed$119,986.14
Remaining funds due$119,986.14
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%)$7,345.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,166.64
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$507.00
Initial HOA (3 months)$1,509.00
Prepaid interest, first (1 days)$69.41
Fees + prepaids$18,815.05
Your down payment is the seller’s equity. You take over the $633,329 balance, so the rest of the $734,500 price is paid at closing. A second mortgage can cover part of it. $119,986.14 is due at closing. Uses and sources reconcile at $753,315.05 each. Not a Closing Disclosure.