Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$28,723Cash toward the purchase price.
Closing costs + prepaids$13,010Not just lender fees.
Before credits & paid funds$41,733The complete starting cash picture.
Estimated remaining funds due at closing
$41,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,722.66
Your down payment$28,722.66
Closing costs + prepaids$13,010.11
Total buyer cash needed$41,732.78
Remaining funds due$41,732.78
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%)$1,981.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$344.75
Prepaid interest, first (28 days)$1,215.97
Fees + prepaids$13,010.11
Your down payment is the seller’s equity. You take over the $396,277 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $41,732.78 is due at closing. Uses and sources reconcile at $438,010.11 each. Not a Closing Disclosure.