Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$131,274Cash toward the purchase price.
Closing costs + prepaids$14,274Not just lender fees.
Before credits & paid funds$145,548The complete starting cash picture.
Estimated remaining funds due at closing
$145,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,273.65
Your down payment$131,273.65
Closing costs + prepaids$14,274.11
Total buyer cash needed$145,547.76
Remaining funds due$145,547.76
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%)$4,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,738.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,305.75
Prepaid interest, first (30 days)$971.73
Fees + prepaids$14,274.11
Your down payment is the seller’s equity. You take over the $347,726 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $145,547.76 is due at closing. Uses and sources reconcile at $493,274.11 each. Not a Closing Disclosure.