Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$135,031Cash toward the purchase price.
Closing costs + prepaids$11,833Not just lender fees.
Before credits & paid funds$146,864The complete starting cash picture.
Estimated remaining funds due at closing
$146,864No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,031.34
Your down payment$135,031.34
Closing costs + prepaids$11,832.59
Total buyer cash needed$146,863.93
Remaining funds due$146,863.93
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%)$1,449.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$450.00
Prepaid interest, first (26 days)$464.74
Fees + prepaids$11,832.59
Your down payment is the seller’s equity. You take over the $289,969 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $146,863.93 is due at closing. Uses and sources reconcile at $436,832.59 each. Not a Closing Disclosure.