Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$171,192Cash toward the purchase price.
Closing costs + prepaids$13,682Not just lender fees.
Before credits & paid funds$184,874The complete starting cash picture.
Estimated remaining funds due at closing
$184,874No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,191.96
Your down payment$171,191.96
Closing costs + prepaids$13,682.33
Total buyer cash needed$184,874.29
Remaining funds due$184,874.29
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%)$1,494.04
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,304.00
Initial HOA (3 months)$123.75
Prepaid interest, first (22 days)$592.54
Fees + prepaids$13,682.33
Your down payment is the seller’s equity. You take over the $298,808 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $184,874.29 is due at closing. Uses and sources reconcile at $483,682.33 each. Not a Closing Disclosure.