Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$362,170Cash toward the purchase price.
Closing costs + prepaids$11,518Not just lender fees.
Before credits & paid funds$373,688The complete starting cash picture.
Estimated remaining funds due at closing
$373,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$362,170.09
Your down payment$362,170.09
Closing costs + prepaids$11,518.04
Total buyer cash needed$373,688.12
Remaining funds due$373,688.12
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%)$539.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$424.50
Prepaid interest, first (29 days)$386.39
Fees + prepaids$11,518.04
Your down payment is the seller’s equity. You take over the $107,830 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $373,688.12 is due at closing. Uses and sources reconcile at $481,518.04 each. Not a Closing Disclosure.