Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$56,769Cash toward the purchase price.
Closing costs + prepaids$14,816Not just lender fees.
Before credits & paid funds$71,586The complete starting cash picture.
Estimated remaining funds due at closing
$71,586No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,769.40
Your down payment$56,769.40
Closing costs + prepaids$14,816.22
Total buyer cash needed$71,585.62
Remaining funds due$71,585.62
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%)$2,066.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$188.50
Prepaid interest, first (31 days)$2,393.57
Fees + prepaids$14,816.22
Your down payment is the seller’s equity. You take over the $413,231 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $71,585.62 is due at closing. Uses and sources reconcile at $484,816.22 each. Not a Closing Disclosure.