Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$70,354Cash toward the purchase price.
Closing costs + prepaids$13,952Not just lender fees.
Before credits & paid funds$84,306The complete starting cash picture.
Estimated remaining funds due at closing
$84,306No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,353.58
Your down payment$70,353.58
Closing costs + prepaids$13,952.13
Total buyer cash needed$84,305.71
Remaining funds due$84,305.71
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%)$1,773.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$876.25
Initial HOA (3 months)$144.00
Prepaid interest, first (30 days)$1,690.64
Fees + prepaids$13,952.13
Your down payment is the seller’s equity. You take over the $354,646 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $84,305.71 is due at closing. Uses and sources reconcile at $438,952.13 each. Not a Closing Disclosure.