Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$51,454Cash toward the purchase price.
Closing costs + prepaids$13,306Not just lender fees.
Before credits & paid funds$64,761The complete starting cash picture.
Estimated remaining funds due at closing
$64,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,454.25
Your down payment$51,454.25
Closing costs + prepaids$13,306.38
Total buyer cash needed$64,760.63
Remaining funds due$64,760.63
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%)$1,867.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$335.75
Prepaid interest, first (25 days)$1,634.90
Fees + prepaids$13,306.38
Your down payment is the seller’s equity. You take over the $373,546 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $64,760.63 is due at closing. Uses and sources reconcile at $438,306.38 each. Not a Closing Disclosure.