Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$27,316Cash toward the purchase price.
Closing costs + prepaids$15,225Not just lender fees.
Before credits & paid funds$42,541The complete starting cash picture.
Estimated remaining funds due at closing
$42,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,315.90
Your down payment$27,315.90
Closing costs + prepaids$15,225.11
Total buyer cash needed$42,541.01
Remaining funds due$42,541.01
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%)$1,988.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$698.25
Initial HOA (3 months)$999.00
Prepaid interest, first (28 days)$2,071.44
Fees + prepaids$15,225.11
Your down payment is the seller’s equity. You take over the $397,684 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $42,541.01 is due at closing. Uses and sources reconcile at $440,225.11 each. Not a Closing Disclosure.