Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$152,132Cash toward the purchase price.
Closing costs + prepaids$14,528Not just lender fees.
Before credits & paid funds$166,660The complete starting cash picture.
Estimated remaining funds due at closing
$166,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,131.89
Your down payment$152,131.89
Closing costs + prepaids$14,528.37
Total buyer cash needed$166,660.26
Remaining funds due$166,660.26
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%)$1,589.34
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,175.00
Initial HOA (3 months)$969.00
Prepaid interest, first (24 days)$627.03
Fees + prepaids$14,528.37
Your down payment is the seller’s equity. You take over the $317,868 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $166,660.26 is due at closing. Uses and sources reconcile at $484,528.37 each. Not a Closing Disclosure.