Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$59,964Cash toward the purchase price.
Closing costs + prepaids$12,662Not just lender fees.
Before credits & paid funds$72,626The complete starting cash picture.
Estimated remaining funds due at closing
$72,626No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,964.19
Your down payment$59,964.19
Closing costs + prepaids$12,661.77
Total buyer cash needed$72,625.96
Remaining funds due$72,625.96
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%)$1,825.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$407.50
Prepaid interest, first (31 days)$961.09
Fees + prepaids$12,661.77
Your down payment is the seller’s equity. You take over the $365,036 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $72,625.96 is due at closing. Uses and sources reconcile at $437,661.77 each. Not a Closing Disclosure.