Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$42,436Cash toward the purchase price.
Closing costs + prepaids$13,567Not just lender fees.
Before credits & paid funds$56,003The complete starting cash picture.
Estimated remaining funds due at closing
$56,003No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,435.97
Your down payment$42,435.97
Closing costs + prepaids$13,566.85
Total buyer cash needed$56,002.82
Remaining funds due$56,002.82
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%)$1,912.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$530.00
Prepaid interest, first (25 days)$1,656.03
Fees + prepaids$13,566.85
Your down payment is the seller’s equity. You take over the $382,564 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $56,002.82 is due at closing. Uses and sources reconcile at $438,566.85 each. Not a Closing Disclosure.