Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$59,095Cash toward the purchase price.
Closing costs + prepaids$12,577Not just lender fees.
Before credits & paid funds$71,672The complete starting cash picture.
Estimated remaining funds due at closing
$71,672No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,094.92
Your down payment$59,094.92
Closing costs + prepaids$12,576.65
Total buyer cash needed$71,671.57
Remaining funds due$71,671.57
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%)$1,829.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$491.25
Initial HOA (3 months)$30.00
Prepaid interest, first (27 days)$757.87
Fees + prepaids$12,576.65
Your down payment is the seller’s equity. You take over the $365,905 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $71,671.57 is due at closing. Uses and sources reconcile at $437,576.65 each. Not a Closing Disclosure.