Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$11,685Cash toward the purchase price.
Closing costs + prepaids$13,271Not just lender fees.
Before credits & paid funds$24,956The complete starting cash picture.
Estimated remaining funds due at closing
$24,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,684.81
Your down payment$11,684.81
Closing costs + prepaids$13,270.89
Total buyer cash needed$24,955.71
Remaining funds due$24,955.71
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%)$2,066.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$531.25
Prepaid interest, first (17 days)$1,205.07
Fees + prepaids$13,270.89
Your down payment is the seller’s equity. You take over the $413,315 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $24,955.71 is due at closing. Uses and sources reconcile at $438,270.89 each. Not a Closing Disclosure.