Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$193,712Cash toward the purchase price.
Closing costs + prepaids$12,331Not just lender fees.
Before credits & paid funds$206,043The complete starting cash picture.
Estimated remaining funds due at closing
$206,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,712.08
Your down payment$193,712.08
Closing costs + prepaids$12,330.84
Total buyer cash needed$206,042.92
Remaining funds due$206,042.92
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%)$1,156.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$977.25
Initial HOA (3 months)$60.00
Prepaid interest, first (24 days)$669.15
Fees + prepaids$12,330.84
Your down payment is the seller’s equity. You take over the $231,288 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $206,042.92 is due at closing. Uses and sources reconcile at $437,330.84 each. Not a Closing Disclosure.