Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$160,734Cash toward the purchase price.
Closing costs + prepaids$12,345Not just lender fees.
Before credits & paid funds$173,079The complete starting cash picture.
Estimated remaining funds due at closing
$173,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,733.52
Your down payment$160,733.52
Closing costs + prepaids$12,345.17
Total buyer cash needed$173,078.69
Remaining funds due$173,078.69
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%)$1,321.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$968.00
Initial HOA (3 months)$24.99
Prepaid interest, first (26 days)$562.85
Fees + prepaids$12,345.17
Your down payment is the seller’s equity. You take over the $264,266 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $173,078.69 is due at closing. Uses and sources reconcile at $437,345.17 each. Not a Closing Disclosure.