Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$56,108Cash toward the purchase price.
Closing costs + prepaids$13,368Not just lender fees.
Before credits & paid funds$69,475The complete starting cash picture.
Estimated remaining funds due at closing
$69,475No 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$13,367.53
Total buyer cash needed$69,475.34
Remaining funds due$69,475.34
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)$564.00
Prepaid interest, first (12 days)$566.07
Fees + prepaids$13,367.53
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. $69,475.34 is due at closing. Uses and sources reconcile at $483,367.53 each. Not a Closing Disclosure.