Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$132,981Cash toward the purchase price.
Closing costs + prepaids$34,304Not just lender fees.
Before credits & paid funds$167,285The complete starting cash picture.
Estimated remaining funds due at closing
$167,285No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,981.27
Your down payment$132,981.27
Closing costs + prepaids$34,303.72
Total buyer cash needed$167,284.99
Remaining funds due$167,284.99
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%)$6,585.09
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,080.75
Initial HOA (3 months)$300.00
Prepaid interest, first (25 days)$5,619.88
Fees + prepaids$34,303.72
Your down payment is the seller’s equity. You take over the $1,317,019 balance, so the rest of the $1,450,000 price is paid at closing. A second mortgage can cover part of it. $167,284.99 is due at closing. Uses and sources reconcile at $1,484,303.72 each. Not a Closing Disclosure.