Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$55,834Cash toward the purchase price.
Closing costs + prepaids$14,208Not just lender fees.
Before credits & paid funds$70,041The complete starting cash picture.
Estimated remaining funds due at closing
$70,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,833.68
Your down payment$55,833.68
Closing costs + prepaids$14,207.67
Total buyer cash needed$70,041.35
Remaining funds due$70,041.35
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%)$1,845.83
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$740.25
Initial HOA (3 months)$489.00
Prepaid interest, first (26 days)$1,664.59
Fees + prepaids$14,207.67
Your down payment is the seller’s equity. You take over the $369,166 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $70,041.35 is due at closing. Uses and sources reconcile at $439,207.67 each. Not a Closing Disclosure.