Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$134,149Cash toward the purchase price.
Closing costs + prepaids$11,928Not just lender fees.
Before credits & paid funds$146,077The complete starting cash picture.
Estimated remaining funds due at closing
$146,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,149.25
Your down payment$134,149.25
Closing costs + prepaids$11,928.10
Total buyer cash needed$146,077.34
Remaining funds due$146,077.34
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%)$1,454.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$350.50
Initial HOA (3 months)$186.00
Prepaid interest, first (19 days)$469.35
Fees + prepaids$11,928.10
Your down payment is the seller’s equity. You take over the $290,851 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $146,077.34 is due at closing. Uses and sources reconcile at $436,928.10 each. Not a Closing Disclosure.