Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$100,494Cash toward the purchase price.
Closing costs + prepaids$12,311Not just lender fees.
Before credits & paid funds$112,805The complete starting cash picture.
Estimated remaining funds due at closing
$112,805No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,493.78
Your down payment$100,493.78
Closing costs + prepaids$12,311.22
Total buyer cash needed$112,805.00
Remaining funds due$112,805.00
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%)$1,622.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$747.00
Prepaid interest, first (18 days)$473.69
Fees + prepaids$12,311.22
Your down payment is the seller’s equity. You take over the $324,506 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $112,805.00 is due at closing. Uses and sources reconcile at $437,311.22 each. Not a Closing Disclosure.