Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$143,988Cash toward the purchase price.
Closing costs + prepaids$12,496Not just lender fees.
Before credits & paid funds$156,484The complete starting cash picture.
Estimated remaining funds due at closing
$156,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,987.92
Your down payment$143,987.92
Closing costs + prepaids$12,495.68
Total buyer cash needed$156,483.60
Remaining funds due$156,483.60
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%)$4,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,405.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$975.00
Initial HOA (3 months)$41.25
Prepaid interest, first (22 days)$606.37
Fees + prepaids$12,495.68
Your down payment is the seller’s equity. You take over the $281,012 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $156,483.60 is due at closing. Uses and sources reconcile at $437,495.68 each. Not a Closing Disclosure.