Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$12,904Cash toward the purchase price.
Closing costs + prepaids$13,785Not just lender fees.
Before credits & paid funds$26,689The complete starting cash picture.
Estimated remaining funds due at closing
$26,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,904.41
Your down payment$12,904.41
Closing costs + prepaids$13,785.08
Total buyer cash needed$26,689.48
Remaining funds due$26,689.48
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%)$2,060.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$774.75
Prepaid interest, first (25 days)$1,481.85
Fees + prepaids$13,785.08
Your down payment is the seller’s equity. You take over the $412,096 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $26,689.48 is due at closing. Uses and sources reconcile at $438,785.08 each. Not a Closing Disclosure.