Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$51,158Cash toward the purchase price.
Closing costs + prepaids$13,069Not just lender fees.
Before credits & paid funds$64,227The complete starting cash picture.
Estimated remaining funds due at closing
$64,227No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,158.35
Your down payment$51,158.35
Closing costs + prepaids$13,068.94
Total buyer cash needed$64,227.29
Remaining funds due$64,227.29
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%)$1,869.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$874.25
Prepaid interest, first (26 days)$857.48
Fees + prepaids$13,068.94
Your down payment is the seller’s equity. You take over the $373,842 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $64,227.29 is due at closing. Uses and sources reconcile at $438,068.94 each. Not a Closing Disclosure.