Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$431,324Cash toward the purchase price.
Closing costs + prepaids$10,959Not just lender fees.
Before credits & paid funds$442,282The complete starting cash picture.
Estimated remaining funds due at closing
$442,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$431,323.64
Your down payment$431,323.64
Closing costs + prepaids$10,958.75
Total buyer cash needed$442,282.39
Remaining funds due$442,282.39
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%)$193.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$430.00
Prepaid interest, first (27 days)$167.37
Fees + prepaids$10,958.75
Your down payment is the seller’s equity. You take over the $38,676 balance, so the rest of the $470,000 price is paid at closing. A second mortgage can cover part of it. $442,282.39 is due at closing. Uses and sources reconcile at $480,958.75 each. Not a Closing Disclosure.