Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$22,670Cash toward the purchase price.
Closing costs + prepaids$13,616Not just lender fees.
Before credits & paid funds$36,286The complete starting cash picture.
Estimated remaining funds due at closing
$36,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,670.14
Your down payment$22,670.14
Closing costs + prepaids$13,615.76
Total buyer cash needed$36,285.89
Remaining funds due$36,285.89
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%)$2,011.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$455.25
Prepaid interest, first (23 days)$1,680.86
Fees + prepaids$13,615.76
Your down payment is the seller’s equity. You take over the $402,330 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $36,285.89 is due at closing. Uses and sources reconcile at $438,615.76 each. Not a Closing Disclosure.