Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$134,149Cash toward the purchase price.
Closing costs + prepaids$12,225Not just lender fees.
Before credits & paid funds$146,374The complete starting cash picture.
Estimated remaining funds due at closing
$146,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,149.25
Your down payment$134,149.25
Closing costs + prepaids$12,224.53
Total buyer cash needed$146,373.77
Remaining funds due$146,373.77
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%)$1,454.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$350.50
Initial HOA (3 months)$186.00
Prepaid interest, first (31 days)$765.77
Fees + prepaids$12,224.53
Your down payment is the seller’s equity. You take over the $290,851 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $146,373.77 is due at closing. Uses and sources reconcile at $437,224.53 each. Not a Closing Disclosure.