Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$168,854Cash toward the purchase price.
Closing costs + prepaids$11,754Not just lender fees.
Before credits & paid funds$180,608The complete starting cash picture.
Estimated remaining funds due at closing
$180,608No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,854.19
Your down payment$168,854.19
Closing costs + prepaids$11,753.53
Total buyer cash needed$180,607.72
Remaining funds due$180,607.72
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%)$1,280.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$569.00
Prepaid interest, first (23 days)$435.80
Fees + prepaids$11,753.53
Your down payment is the seller’s equity. You take over the $256,146 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $180,607.72 is due at closing. Uses and sources reconcile at $436,753.53 each. Not a Closing Disclosure.