Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$163,529Cash toward the purchase price.
Closing costs + prepaids$12,689Not just lender fees.
Before credits & paid funds$176,219The complete starting cash picture.
Estimated remaining funds due at closing
$176,219No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,529.45
Your down payment$163,529.45
Closing costs + prepaids$12,689.09
Total buyer cash needed$176,218.54
Remaining funds due$176,218.54
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%)$1,307.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$548.00
Prepaid interest, first (31 days)$1,365.74
Fees + prepaids$12,689.09
Your down payment is the seller’s equity. You take over the $261,471 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $176,218.54 is due at closing. Uses and sources reconcile at $437,689.09 each. Not a Closing Disclosure.