Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$89,347Cash toward the purchase price.
Closing costs + prepaids$12,598Not just lender fees.
Before credits & paid funds$101,945The complete starting cash picture.
Estimated remaining funds due at closing
$101,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,346.54
Your down payment$89,346.54
Closing costs + prepaids$12,598.26
Total buyer cash needed$101,944.80
Remaining funds due$101,944.80
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%)$1,678.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$334.50
Prepaid interest, first (31 days)$1,117.50
Fees + prepaids$12,598.26
Your down payment is the seller’s equity. You take over the $335,653 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $101,944.80 is due at closing. Uses and sources reconcile at $437,598.26 each. Not a Closing Disclosure.