Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$100,191Cash toward the purchase price.
Closing costs + prepaids$14,064Not just lender fees.
Before credits & paid funds$114,255The complete starting cash picture.
Estimated remaining funds due at closing
$114,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,191.12
Your down payment$100,191.12
Closing costs + prepaids$14,063.75
Total buyer cash needed$114,254.86
Remaining funds due$114,254.86
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%)$1,849.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,231.50
Prepaid interest, first (27 days)$815.20
Fees + prepaids$14,063.75
Your down payment is the seller’s equity. You take over the $369,809 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $114,254.86 is due at closing. Uses and sources reconcile at $484,063.75 each. Not a Closing Disclosure.