Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$13,351Cash toward the purchase price.
Closing costs + prepaids$14,023Not just lender fees.
Before credits & paid funds$27,374The complete starting cash picture.
Estimated remaining funds due at closing
$27,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,351.09
Your down payment$13,351.09
Closing costs + prepaids$14,022.92
Total buyer cash needed$27,374.01
Remaining funds due$27,374.01
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%)$2,058.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$441.25
Prepaid interest, first (25 days)$2,055.43
Fees + prepaids$14,022.92
Your down payment is the seller’s equity. You take over the $411,649 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $27,374.01 is due at closing. Uses and sources reconcile at $439,022.92 each. Not a Closing Disclosure.