Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$117,647Cash toward the purchase price.
Closing costs + prepaids$12,205Not just lender fees.
Before credits & paid funds$129,852The complete starting cash picture.
Estimated remaining funds due at closing
$129,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,646.69
Your down payment$117,646.69
Closing costs + prepaids$12,205.14
Total buyer cash needed$129,851.83
Remaining funds due$129,851.83
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%)$1,536.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,083.75
Prepaid interest, first (5 days)$116.63
Fees + prepaids$12,205.14
Your down payment is the seller’s equity. You take over the $307,353 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $129,851.83 is due at closing. Uses and sources reconcile at $437,205.14 each. Not a Closing Disclosure.