Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$109,356Cash toward the purchase price.
Closing costs + prepaids$11,856Not just lender fees.
Before credits & paid funds$121,212The complete starting cash picture.
Estimated remaining funds due at closing
$121,212No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,355.55
Your down payment$109,355.55
Closing costs + prepaids$11,856.13
Total buyer cash needed$121,211.68
Remaining funds due$121,211.68
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%)$1,578.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$510.00
Prepaid interest, first (12 days)$299.91
Fees + prepaids$11,856.13
Your down payment is the seller’s equity. You take over the $315,644 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $121,211.68 is due at closing. Uses and sources reconcile at $436,856.13 each. Not a Closing Disclosure.