Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$140,961Cash toward the purchase price.
Closing costs + prepaids$12,568Not just lender fees.
Before credits & paid funds$153,529The complete starting cash picture.
Estimated remaining funds due at closing
$153,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$140,961.13
Your down payment$140,961.13
Closing costs + prepaids$12,568.17
Total buyer cash needed$153,529.30
Remaining funds due$153,529.30
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%)$1,420.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$98.25
Initial HOA (3 months)$216.00
Prepaid interest, first (27 days)$1,365.72
Fees + prepaids$12,568.17
Your down payment is the seller’s equity. You take over the $284,039 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $153,529.30 is due at closing. Uses and sources reconcile at $437,568.17 each. Not a Closing Disclosure.