Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$167,689Cash toward the purchase price.
Closing costs + prepaids$12,035Not just lender fees.
Before credits & paid funds$179,724The complete starting cash picture.
Estimated remaining funds due at closing
$179,724No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,688.73
Your down payment$167,688.73
Closing costs + prepaids$12,034.83
Total buyer cash needed$179,723.55
Remaining funds due$179,723.55
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%)$1,286.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$400.25
Initial HOA (3 months)$255.00
Prepaid interest, first (31 days)$625.02
Fees + prepaids$12,034.83
Your down payment is the seller’s equity. You take over the $257,311 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $179,723.55 is due at closing. Uses and sources reconcile at $437,034.83 each. Not a Closing Disclosure.