Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$55,557Cash toward the purchase price.
Closing costs + prepaids$13,946Not just lender fees.
Before credits & paid funds$69,503The complete starting cash picture.
Estimated remaining funds due at closing
$69,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,557.26
Your down payment$55,557.26
Closing costs + prepaids$13,945.59
Total buyer cash needed$69,502.85
Remaining funds due$69,502.85
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%)$4,259.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,851.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,303.00
Initial HOA (3 months)$126.75
Prepaid interest, first (26 days)$1,187.13
Fees + prepaids$13,945.59
Your down payment is the seller’s equity. You take over the $370,343 balance, so the rest of the $425,900 price is paid at closing. A second mortgage can cover part of it. $69,502.85 is due at closing. Uses and sources reconcile at $439,845.59 each. Not a Closing Disclosure.