Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$128,017Cash toward the purchase price.
Closing costs + prepaids$11,850Not just lender fees.
Before credits & paid funds$139,867The complete starting cash picture.
Estimated remaining funds due at closing
$139,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,016.95
Your down payment$128,016.95
Closing costs + prepaids$11,849.87
Total buyer cash needed$139,866.82
Remaining funds due$139,866.82
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%)$1,484.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$354.25
Prepaid interest, first (23 days)$542.71
Fees + prepaids$11,849.87
Your down payment is the seller’s equity. You take over the $296,983 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $139,866.82 is due at closing. Uses and sources reconcile at $436,849.87 each. Not a Closing Disclosure.