Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$73,221Cash toward the purchase price.
Closing costs + prepaids$12,810Not just lender fees.
Before credits & paid funds$86,030The complete starting cash picture.
Estimated remaining funds due at closing
$86,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,220.52
Your down payment$73,220.52
Closing costs + prepaids$12,809.71
Total buyer cash needed$86,030.23
Remaining funds due$86,030.23
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%)$1,758.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$828.75
Prepaid interest, first (24 days)$754.06
Fees + prepaids$12,809.71
Your down payment is the seller’s equity. You take over the $351,779 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $86,030.23 is due at closing. Uses and sources reconcile at $437,809.71 each. Not a Closing Disclosure.