Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$106,145Cash toward the purchase price.
Closing costs + prepaids$12,771Not just lender fees.
Before credits & paid funds$118,916The complete starting cash picture.
Estimated remaining funds due at closing
$118,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,145.32
Your down payment$106,145.32
Closing costs + prepaids$12,771.04
Total buyer cash needed$118,916.36
Remaining funds due$118,916.36
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%)$1,594.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,062.50
Prepaid interest, first (27 days)$646.27
Fees + prepaids$12,771.04
Your down payment is the seller’s equity. You take over the $318,855 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $118,916.36 is due at closing. Uses and sources reconcile at $437,771.04 each. Not a Closing Disclosure.