Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$130,554Cash toward the purchase price.
Closing costs + prepaids$14,296Not just lender fees.
Before credits & paid funds$144,849The complete starting cash picture.
Estimated remaining funds due at closing
$144,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,553.85
Your down payment$130,553.85
Closing costs + prepaids$14,295.57
Total buyer cash needed$144,849.42
Remaining funds due$144,849.42
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%)$4,740.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,717.23
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,116.25
Initial HOA (3 months)$615.00
Prepaid interest, first (24 days)$639.09
Fees + prepaids$14,295.57
Your down payment is the seller’s equity. You take over the $343,446 balance, so the rest of the $474,000 price is paid at closing. A second mortgage can cover part of it. $144,849.42 is due at closing. Uses and sources reconcile at $488,295.57 each. Not a Closing Disclosure.