Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$88,705Cash toward the purchase price.
Closing costs + prepaids$11,520Not just lender fees.
Before credits & paid funds$100,225The complete starting cash picture.
Estimated remaining funds due at closing
$100,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,705.14
Your down payment$88,705.14
Closing costs + prepaids$11,520.09
Total buyer cash needed$100,225.23
Remaining funds due$100,225.23
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%)$1,681.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$334.50
Prepaid interest, first (1 days)$36.12
Fees + prepaids$11,520.09
Your down payment is the seller’s equity. You take over the $336,295 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $100,225.23 is due at closing. Uses and sources reconcile at $436,520.09 each. Not a Closing Disclosure.