Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$289,396Cash toward the purchase price.
Closing costs + prepaids$11,693Not just lender fees.
Before credits & paid funds$301,090The complete starting cash picture.
Estimated remaining funds due at closing
$301,090No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,396.30
Your down payment$289,396.30
Closing costs + prepaids$11,693.43
Total buyer cash needed$301,089.73
Remaining funds due$301,089.73
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%)$678.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,062.50
Initial HOA (3 months)$112.50
Prepaid interest, first (28 days)$372.41
Fees + prepaids$11,693.43
Your down payment is the seller’s equity. You take over the $135,604 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $301,089.73 is due at closing. Uses and sources reconcile at $436,693.43 each. Not a Closing Disclosure.