Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$109,209Cash toward the purchase price.
Closing costs + prepaids$13,426Not just lender fees.
Before credits & paid funds$122,635The complete starting cash picture.
Estimated remaining funds due at closing
$122,635No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,208.78
Your down payment$109,208.78
Closing costs + prepaids$13,426.49
Total buyer cash needed$122,635.27
Remaining funds due$122,635.27
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%)$1,803.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$599.25
Initial HOA (3 months)$108.00
Prepaid interest, first (27 days)$747.28
Fees + prepaids$13,426.49
Your down payment is the seller’s equity. You take over the $360,791 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $122,635.27 is due at closing. Uses and sources reconcile at $483,426.49 each. Not a Closing Disclosure.