Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$32,724Cash toward the purchase price.
Closing costs + prepaids$13,152Not just lender fees.
Before credits & paid funds$45,876The complete starting cash picture.
Estimated remaining funds due at closing
$45,876No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,723.95
Your down payment$32,723.95
Closing costs + prepaids$13,151.99
Total buyer cash needed$45,875.94
Remaining funds due$45,875.94
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%)$2,186.38
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 (6 days)$233.61
Fees + prepaids$13,151.99
Your down payment is the seller’s equity. You take over the $437,276 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $45,875.94 is due at closing. Uses and sources reconcile at $483,151.99 each. Not a Closing Disclosure.