Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$171,684Cash toward the purchase price.
Closing costs + prepaids$11,721Not just lender fees.
Before credits & paid funds$183,405The complete starting cash picture.
Estimated remaining funds due at closing
$183,405No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,684.43
Your down payment$171,684.43
Closing costs + prepaids$11,720.62
Total buyer cash needed$183,405.05
Remaining funds due$183,405.05
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%)$1,266.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$312.25
Initial HOA (3 months)$50.01
Prepaid interest, first (28 days)$623.78
Fees + prepaids$11,720.62
Your down payment is the seller’s equity. You take over the $253,316 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $183,405.05 is due at closing. Uses and sources reconcile at $436,720.62 each. Not a Closing Disclosure.