Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$156,096Cash toward the purchase price.
Closing costs + prepaids$13,467Not just lender fees.
Before credits & paid funds$169,563The complete starting cash picture.
Estimated remaining funds due at closing
$169,563No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,096.00
Your down payment$156,096.00
Closing costs + prepaids$13,467.13
Total buyer cash needed$169,563.13
Remaining funds due$169,563.13
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%)$4,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,569.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,016.75
Prepaid interest, first (27 days)$712.86
Fees + prepaids$13,467.13
Your down payment is the seller’s equity. You take over the $313,904 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $169,563.13 is due at closing. Uses and sources reconcile at $483,467.13 each. Not a Closing Disclosure.