Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$73,221Cash toward the purchase price.
Closing costs + prepaids$12,114Not just lender fees.
Before credits & paid funds$85,334The complete starting cash picture.
Estimated remaining funds due at closing
$85,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,220.52
Your down payment$73,220.52
Closing costs + prepaids$12,113.93
Total buyer cash needed$85,334.44
Remaining funds due$85,334.44
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%)$1,758.90
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)$377.03
Fees + prepaids$12,113.93
Your down payment is the seller’s equity. You take over the $351,779 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $85,334.44 is due at closing. Uses and sources reconcile at $437,113.93 each. Not a Closing Disclosure.