Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$149,808Cash toward the purchase price.
Closing costs + prepaids$12,158Not just lender fees.
Before credits & paid funds$161,966The complete starting cash picture.
Estimated remaining funds due at closing
$161,966No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,808.12
Your down payment$149,808.12
Closing costs + prepaids$12,157.56
Total buyer cash needed$161,965.68
Remaining funds due$161,965.68
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%)$1,375.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$607.75
Prepaid interest, first (31 days)$705.85
Fees + prepaids$12,157.56
Your down payment is the seller’s equity. You take over the $275,192 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $161,965.68 is due at closing. Uses and sources reconcile at $437,157.56 each. Not a Closing Disclosure.