Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$87,319Cash toward the purchase price.
Closing costs + prepaids$12,943Not just lender fees.
Before credits & paid funds$100,262The complete starting cash picture.
Estimated remaining funds due at closing
$100,262No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,318.83
Your down payment$87,318.83
Closing costs + prepaids$12,943.07
Total buyer cash needed$100,261.90
Remaining funds due$100,261.90
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%)$1,688.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$967.50
Initial HOA (3 months)$234.00
Prepaid interest, first (22 days)$585.16
Fees + prepaids$12,943.07
Your down payment is the seller’s equity. You take over the $337,681 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $100,261.90 is due at closing. Uses and sources reconcile at $437,943.07 each. Not a Closing Disclosure.