Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$54,024Cash toward the purchase price.
Closing costs + prepaids$12,740Not just lender fees.
Before credits & paid funds$66,764The complete starting cash picture.
Estimated remaining funds due at closing
$66,764No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,024.27
Your down payment$54,024.27
Closing costs + prepaids$12,739.52
Total buyer cash needed$66,763.79
Remaining funds due$66,763.79
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%)$1,854.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$496.75
Initial HOA (3 months)$11.25
Prepaid interest, first (30 days)$908.64
Fees + prepaids$12,739.52
Your down payment is the seller’s equity. You take over the $370,976 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $66,763.79 is due at closing. Uses and sources reconcile at $437,739.52 each. Not a Closing Disclosure.