Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$223,787Cash toward the purchase price.
Closing costs + prepaids$12,142Not just lender fees.
Before credits & paid funds$235,929The complete starting cash picture.
Estimated remaining funds due at closing
$235,929No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,786.84
Your down payment$223,786.84
Closing costs + prepaids$12,142.17
Total buyer cash needed$235,929.01
Remaining funds due$235,929.01
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%)$1,231.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$702.50
Prepaid interest, first (2 days)$40.61
Fees + prepaids$12,142.17
Your down payment is the seller’s equity. You take over the $246,213 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $235,929.01 is due at closing. Uses and sources reconcile at $482,142.17 each. Not a Closing Disclosure.