Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$20,755Cash toward the purchase price.
Closing costs + prepaids$13,887Not just lender fees.
Before credits & paid funds$34,643The complete starting cash picture.
Estimated remaining funds due at closing
$34,643No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,755.42
Your down payment$20,755.42
Closing costs + prepaids$13,887.14
Total buyer cash needed$34,642.56
Remaining funds due$34,642.56
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%)$2,021.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$625.00
Prepaid interest, first (24 days)$1,772.92
Fees + prepaids$13,887.14
Your down payment is the seller’s equity. You take over the $404,245 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $34,642.56 is due at closing. Uses and sources reconcile at $438,887.14 each. Not a Closing Disclosure.