Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$157,882Cash toward the purchase price.
Closing costs + prepaids$12,637Not just lender fees.
Before credits & paid funds$170,519The complete starting cash picture.
Estimated remaining funds due at closing
$170,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,881.58
Your down payment$157,881.58
Closing costs + prepaids$12,637.36
Total buyer cash needed$170,518.94
Remaining funds due$170,518.94
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%)$1,335.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,330.75
Initial HOA (3 months)$43.50
Prepaid interest, first (23 days)$459.52
Fees + prepaids$12,637.36
Your down payment is the seller’s equity. You take over the $267,118 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $170,518.94 is due at closing. Uses and sources reconcile at $437,637.36 each. Not a Closing Disclosure.