Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$131,605Cash toward the purchase price.
Closing costs + prepaids$11,608Not just lender fees.
Before credits & paid funds$143,214The complete starting cash picture.
Estimated remaining funds due at closing
$143,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,605.46
Your down payment$131,605.46
Closing costs + prepaids$11,608.05
Total buyer cash needed$143,213.51
Remaining funds due$143,213.51
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%)$1,466.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$225.50
Initial HOA (3 months)$399.99
Prepaid interest, first (2 days)$47.59
Fees + prepaids$11,608.05
Your down payment is the seller’s equity. You take over the $293,395 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $143,213.51 is due at closing. Uses and sources reconcile at $436,608.05 each. Not a Closing Disclosure.