Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$128,106Cash toward the purchase price.
Closing costs + prepaids$13,179Not just lender fees.
Before credits & paid funds$141,285The complete starting cash picture.
Estimated remaining funds due at closing
$141,285No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,105.86
Your down payment$128,105.86
Closing costs + prepaids$13,179.35
Total buyer cash needed$141,285.21
Remaining funds due$141,285.21
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%)$1,484.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,041.25
Initial HOA (3 months)$456.00
Prepaid interest, first (26 days)$729.63
Fees + prepaids$13,179.35
Your down payment is the seller’s equity. You take over the $296,894 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $141,285.21 is due at closing. Uses and sources reconcile at $438,179.35 each. Not a Closing Disclosure.