Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$78,316Cash toward the purchase price.
Closing costs + prepaids$14,924Not just lender fees.
Before credits & paid funds$93,240The complete starting cash picture.
Estimated remaining funds due at closing
$93,240No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,316.07
Your down payment$78,316.07
Closing costs + prepaids$14,923.85
Total buyer cash needed$93,239.93
Remaining funds due$93,239.93
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%)$1,733.42
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)$1,947.00
Prepaid interest, first (27 days)$712.93
Fees + prepaids$14,923.85
Your down payment is the seller’s equity. You take over the $346,684 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $93,239.93 is due at closing. Uses and sources reconcile at $439,923.85 each. Not a Closing Disclosure.