Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$139,905Cash toward the purchase price.
Closing costs + prepaids$34,137Not just lender fees.
Before credits & paid funds$174,042The complete starting cash picture.
Estimated remaining funds due at closing
$174,042No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,904.62
Your down payment$139,904.62
Closing costs + prepaids$34,137.36
Total buyer cash needed$174,041.98
Remaining funds due$174,041.98
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%)$14,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$6,550.48
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$617.75
Prepaid interest, first (28 days)$6,251.13
Fees + prepaids$34,137.36
Your down payment is the seller’s equity. You take over the $1,310,095 balance, so the rest of the $1,450,000 price is paid at closing. A second mortgage can cover part of it. $174,041.98 is due at closing. Uses and sources reconcile at $1,484,137.36 each. Not a Closing Disclosure.