Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$88,368Cash toward the purchase price.
Closing costs + prepaids$13,085Not just lender fees.
Before credits & paid funds$101,453The complete starting cash picture.
Estimated remaining funds due at closing
$101,453No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,367.97
Your down payment$88,367.97
Closing costs + prepaids$13,084.77
Total buyer cash needed$101,452.74
Remaining funds due$101,452.74
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%)$1,683.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,075.00
Initial HOA (3 months)$37.50
Prepaid interest, first (29 days)$821.11
Fees + prepaids$13,084.77
Your down payment is the seller’s equity. You take over the $336,632 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $101,452.74 is due at closing. Uses and sources reconcile at $438,084.77 each. Not a Closing Disclosure.