Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$109,209Cash toward the purchase price.
Closing costs + prepaids$13,110Not just lender fees.
Before credits & paid funds$122,319The complete starting cash picture.
Estimated remaining funds due at closing
$122,319No 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$13,110.29
Total buyer cash needed$122,319.07
Remaining funds due$122,319.07
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)$587.50
Initial HOA (3 months)$108.00
Prepaid interest, first (16 days)$442.83
Fees + prepaids$13,110.29
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. $122,319.07 is due at closing. Uses and sources reconcile at $483,110.29 each. Not a Closing Disclosure.