Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$62,827Cash toward the purchase price.
Closing costs + prepaids$13,477Not just lender fees.
Before credits & paid funds$76,304The complete starting cash picture.
Estimated remaining funds due at closing
$76,304No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,827.16
Your down payment$62,827.16
Closing costs + prepaids$13,476.56
Total buyer cash needed$76,303.73
Remaining funds due$76,303.73
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%)$1,810.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,058.50
Initial HOA (3 months)$204.00
Prepaid interest, first (29 days)$935.20
Fees + prepaids$13,476.56
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $76,303.73 is due at closing. Uses and sources reconcile at $438,476.56 each. Not a Closing Disclosure.