Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$36,023Cash toward the purchase price.
Closing costs + prepaids$12,788Not just lender fees.
Before credits & paid funds$48,811The complete starting cash picture.
Estimated remaining funds due at closing
$48,811No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,023.15
Your down payment$36,023.15
Closing costs + prepaids$12,787.61
Total buyer cash needed$48,810.77
Remaining funds due$48,810.77
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%)$1,944.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$849.50
Initial HOA (3 months)$408.00
Prepaid interest, first (2 days)$117.23
Fees + prepaids$12,787.61
Your down payment is the seller’s equity. You take over the $388,977 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $48,810.77 is due at closing. Uses and sources reconcile at $437,787.61 each. Not a Closing Disclosure.