Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$30,140Cash toward the purchase price.
Closing costs + prepaids$16,334Not just lender fees.
Before credits & paid funds$46,473The complete starting cash picture.
Estimated remaining funds due at closing
$46,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,139.52
Your down payment$30,139.52
Closing costs + prepaids$16,333.70
Total buyer cash needed$46,473.22
Remaining funds due$46,473.22
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%)$1,974.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,062.50
Initial HOA (3 months)$1,860.00
Prepaid interest, first (28 days)$1,968.89
Fees + prepaids$16,333.70
Your down payment is the seller’s equity. You take over the $394,860 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $46,473.22 is due at closing. Uses and sources reconcile at $441,333.70 each. Not a Closing Disclosure.