Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$109,239Cash toward the purchase price.
Closing costs + prepaids$16,614Not just lender fees.
Before credits & paid funds$125,854The complete starting cash picture.
Estimated remaining funds due at closing
$125,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,239.34
Your down payment$109,239.34
Closing costs + prepaids$16,614.20
Total buyer cash needed$125,853.55
Remaining funds due$125,853.55
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%)$1,803.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,217.75
Initial HOA (3 months)$1,629.00
Prepaid interest, first (23 days)$795.65
Fees + prepaids$16,614.20
Your down payment is the seller’s equity. You take over the $360,761 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $125,853.55 is due at closing. Uses and sources reconcile at $486,614.20 each. Not a Closing Disclosure.