Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$34,440Cash toward the purchase price.
Closing costs + prepaids$14,870Not just lender fees.
Before credits & paid funds$49,310The complete starting cash picture.
Estimated remaining funds due at closing
$49,310No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,439.80
Your down payment$34,439.80
Closing costs + prepaids$14,869.93
Total buyer cash needed$49,309.72
Remaining funds due$49,309.72
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%)$1,952.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,167.00
Initial HOA (3 months)$141.00
Prepaid interest, first (30 days)$2,141.13
Fees + prepaids$14,869.93
Your down payment is the seller’s equity. You take over the $390,560 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $49,309.72 is due at closing. Uses and sources reconcile at $439,869.93 each. Not a Closing Disclosure.