Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$144,103Cash toward the purchase price.
Closing costs + prepaids$34,547Not just lender fees.
Before credits & paid funds$178,651The complete starting cash picture.
Estimated remaining funds due at closing
$178,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,103.33
Your down payment$144,103.33
Closing costs + prepaids$34,547.35
Total buyer cash needed$178,650.67
Remaining funds due$178,650.67
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%)$14,730.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,644.48
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$3,682.50
Prepaid interest, first (28 days)$3,272.36
Fees + prepaids$34,547.35
Your down payment is the seller’s equity. You take over the $1,328,897 balance, so the rest of the $1,473,000 price is paid at closing. A second mortgage can cover part of it. $178,650.67 is due at closing. Uses and sources reconcile at $1,507,547.35 each. Not a Closing Disclosure.