Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$56,108Cash toward the purchase price.
Closing costs + prepaids$14,991Not just lender fees.
Before credits & paid funds$71,099The complete starting cash picture.
Estimated remaining funds due at closing
$71,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,107.81
Your down payment$56,107.81
Closing costs + prepaids$14,991.29
Total buyer cash needed$71,099.10
Remaining funds due$71,099.10
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%)$2,069.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,433.00
Prepaid interest, first (28 days)$1,320.83
Fees + prepaids$14,991.29
Your down payment is the seller’s equity. You take over the $413,892 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $71,099.10 is due at closing. Uses and sources reconcile at $484,991.29 each. Not a Closing Disclosure.