Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$141,344Cash toward the purchase price.
Closing costs + prepaids$11,822Not just lender fees.
Before credits & paid funds$153,167The complete starting cash picture.
Estimated remaining funds due at closing
$153,167No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,344.26
Your down payment$141,344.26
Closing costs + prepaids$11,822.35
Total buyer cash needed$153,166.60
Remaining funds due$153,166.60
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%)$1,418.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$510.00
Initial HOA (3 months)$35.01
Prepaid interest, first (17 days)$391.06
Fees + prepaids$11,822.35
Your down payment is the seller’s equity. You take over the $283,656 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $153,166.60 is due at closing. Uses and sources reconcile at $436,822.35 each. Not a Closing Disclosure.