Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$131,648Cash toward the purchase price.
Closing costs + prepaids$12,591Not just lender fees.
Before credits & paid funds$144,239The complete starting cash picture.
Estimated remaining funds due at closing
$144,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,647.67
Your down payment$131,647.67
Closing costs + prepaids$12,591.11
Total buyer cash needed$144,238.78
Remaining funds due$144,238.78
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%)$1,466.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$988.50
Initial HOA (3 months)$171.00
Prepaid interest, first (22 days)$496.85
Fees + prepaids$12,591.11
Your down payment is the seller’s equity. You take over the $293,352 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $144,238.78 is due at closing. Uses and sources reconcile at $437,591.11 each. Not a Closing Disclosure.