Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$100,494Cash toward the purchase price.
Closing costs + prepaids$12,601Not just lender fees.
Before credits & paid funds$113,094The complete starting cash picture.
Estimated remaining funds due at closing
$113,094No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,493.78
Your down payment$100,493.78
Closing costs + prepaids$12,600.70
Total buyer cash needed$113,094.47
Remaining funds due$113,094.47
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%)$1,622.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$747.00
Prepaid interest, first (29 days)$763.17
Fees + prepaids$12,600.70
Your down payment is the seller’s equity. You take over the $324,506 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $113,094.47 is due at closing. Uses and sources reconcile at $437,600.70 each. Not a Closing Disclosure.