Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$107,741Cash toward the purchase price.
Closing costs + prepaids$14,393Not just lender fees.
Before credits & paid funds$122,134The complete starting cash picture.
Estimated remaining funds due at closing
$122,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,740.66
Your down payment$107,740.66
Closing costs + prepaids$14,393.33
Total buyer cash needed$122,133.99
Remaining funds due$122,133.99
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%)$4,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,811.30
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$444.50
Initial HOA (3 months)$150.00
Prepaid interest, first (27 days)$1,819.53
Fees + prepaids$14,393.33
Your down payment is the seller’s equity. You take over the $362,259 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $122,133.99 is due at closing. Uses and sources reconcile at $484,393.33 each. Not a Closing Disclosure.