Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$21,008Cash toward the purchase price.
Closing costs + prepaids$12,786Not just lender fees.
Before credits & paid funds$33,793The complete starting cash picture.
Estimated remaining funds due at closing
$33,793No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,007.64
Your down payment$21,007.64
Closing costs + prepaids$12,785.67
Total buyer cash needed$33,793.31
Remaining funds due$33,793.31
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%)$2,019.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$510.00
Initial HOA (3 months)$540.00
Prepaid interest, first (6 days)$247.71
Fees + prepaids$12,785.67
Your down payment is the seller’s equity. You take over the $403,992 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $33,793.31 is due at closing. Uses and sources reconcile at $437,785.67 each. Not a Closing Disclosure.