Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$36,129Cash toward the purchase price.
Closing costs + prepaids$14,399Not just lender fees.
Before credits & paid funds$50,528The complete starting cash picture.
Estimated remaining funds due at closing
$50,528No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,129.40
Your down payment$36,129.40
Closing costs + prepaids$14,398.60
Total buyer cash needed$50,528.00
Remaining funds due$50,528.00
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%)$1,944.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,567.75
Initial HOA (3 months)$270.00
Prepaid interest, first (28 days)$1,148.50
Fees + prepaids$14,398.60
Your down payment is the seller’s equity. You take over the $388,871 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $50,528.00 is due at closing. Uses and sources reconcile at $439,398.60 each. Not a Closing Disclosure.