Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$165,353Cash toward the purchase price.
Closing costs + prepaids$13,408Not just lender fees.
Before credits & paid funds$178,760The complete starting cash picture.
Estimated remaining funds due at closing
$178,760No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,352.56
Your down payment$165,352.56
Closing costs + prepaids$13,407.64
Total buyer cash needed$178,760.19
Remaining funds due$178,760.19
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%)$1,298.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,062.50
Initial HOA (3 months)$963.00
Prepaid interest, first (26 days)$615.90
Fees + prepaids$13,407.64
Your down payment is the seller’s equity. You take over the $259,647 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $178,760.19 is due at closing. Uses and sources reconcile at $438,407.64 each. Not a Closing Disclosure.