Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$250,209Cash toward the purchase price.
Closing costs + prepaids$11,570Not just lender fees.
Before credits & paid funds$261,778The complete starting cash picture.
Estimated remaining funds due at closing
$261,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,208.63
Your down payment$250,208.63
Closing costs + prepaids$11,569.74
Total buyer cash needed$261,778.37
Remaining funds due$261,778.37
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%)$873.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$851.00
Prepaid interest, first (28 days)$376.78
Fees + prepaids$11,569.74
Your down payment is the seller’s equity. You take over the $174,791 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $261,778.37 is due at closing. Uses and sources reconcile at $436,569.74 each. Not a Closing Disclosure.