Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$125,511Cash toward the purchase price.
Closing costs + prepaids$12,050Not just lender fees.
Before credits & paid funds$137,562The complete starting cash picture.
Estimated remaining funds due at closing
$137,562No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,511.47
Your down payment$125,511.47
Closing costs + prepaids$12,050.16
Total buyer cash needed$137,561.63
Remaining funds due$137,561.63
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%)$4,249.77
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,497.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$388.50
Prepaid interest, first (30 days)$696.57
Fees + prepaids$12,050.16
Your down payment is the seller’s equity. You take over the $299,466 balance, so the rest of the $424,977 price is paid at closing. A second mortgage can cover part of it. $137,561.63 is due at closing. Uses and sources reconcile at $437,027.16 each. Not a Closing Disclosure.