Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$155,455Cash toward the purchase price.
Closing costs + prepaids$12,632Not just lender fees.
Before credits & paid funds$168,086The complete starting cash picture.
Estimated remaining funds due at closing
$168,086No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,454.53
Your down payment$155,454.53
Closing costs + prepaids$12,631.51
Total buyer cash needed$168,086.04
Remaining funds due$168,086.04
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%)$1,572.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$564.00
Prepaid interest, first (12 days)$326.78
Fees + prepaids$12,631.51
Your down payment is the seller’s equity. You take over the $314,545 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $168,086.04 is due at closing. Uses and sources reconcile at $482,631.51 each. Not a Closing Disclosure.