Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$132,276Cash toward the purchase price.
Closing costs + prepaids$12,293Not just lender fees.
Before credits & paid funds$144,569The complete starting cash picture.
Estimated remaining funds due at closing
$144,569No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,276.43
Your down payment$132,276.43
Closing costs + prepaids$12,293.01
Total buyer cash needed$144,569.43
Remaining funds due$144,569.43
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%)$1,463.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$225.50
Initial HOA (3 months)$399.99
Prepaid interest, first (31 days)$735.90
Fees + prepaids$12,293.01
Your down payment is the seller’s equity. You take over the $292,724 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $144,569.43 is due at closing. Uses and sources reconcile at $437,293.01 each. Not a Closing Disclosure.