Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$68,165Cash toward the purchase price.
Closing costs + prepaids$13,215Not just lender fees.
Before credits & paid funds$81,380The complete starting cash picture.
Estimated remaining funds due at closing
$81,380No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,164.99
Your down payment$68,164.99
Closing costs + prepaids$13,215.26
Total buyer cash needed$81,380.25
Remaining funds due$81,380.25
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%)$1,784.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$614.25
Prepaid interest, first (27 days)$1,348.84
Fees + prepaids$13,215.26
Your down payment is the seller’s equity. You take over the $356,835 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $81,380.25 is due at closing. Uses and sources reconcile at $438,215.26 each. Not a Closing Disclosure.