Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$34,440Cash toward the purchase price.
Closing costs + prepaids$14,299Not just lender fees.
Before credits & paid funds$48,739The complete starting cash picture.
Estimated remaining funds due at closing
$48,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,439.80
Your down payment$34,439.80
Closing costs + prepaids$14,298.96
Total buyer cash needed$48,738.76
Remaining funds due$48,738.76
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%)$1,952.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,167.00
Initial HOA (3 months)$141.00
Prepaid interest, first (22 days)$1,570.16
Fees + prepaids$14,298.96
Your down payment is the seller’s equity. You take over the $390,560 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $48,738.76 is due at closing. Uses and sources reconcile at $439,298.96 each. Not a Closing Disclosure.