Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$146,136Cash toward the purchase price.
Closing costs + prepaids$12,183Not just lender fees.
Before credits & paid funds$158,320The complete starting cash picture.
Estimated remaining funds due at closing
$158,320No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,136.31
Your down payment$146,136.31
Closing costs + prepaids$12,183.25
Total buyer cash needed$158,319.55
Remaining funds due$158,319.55
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%)$1,394.32
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)$789.68
Fees + prepaids$12,183.25
Your down payment is the seller’s equity. You take over the $278,864 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $158,319.55 is due at closing. Uses and sources reconcile at $437,183.25 each. Not a Closing Disclosure.