Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$144,885Cash toward the purchase price.
Closing costs + prepaids$24,126Not just lender fees.
Before credits & paid funds$169,012The complete starting cash picture.
Estimated remaining funds due at closing
$169,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,885.40
Your down payment$144,885.40
Closing costs + prepaids$24,126.19
Total buyer cash needed$169,011.59
Remaining funds due$169,011.59
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%)$9,485.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,018.07
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$641.00
Initial HOA (3 months)$132.00
Prepaid interest, first (27 days)$3,632.12
Fees + prepaids$24,126.19
Your down payment is the seller’s equity. You take over the $803,615 balance, so the rest of the $948,500 price is paid at closing. A second mortgage can cover part of it. $169,011.59 is due at closing. Uses and sources reconcile at $972,626.19 each. Not a Closing Disclosure.