Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$271,956Cash toward the purchase price.
Closing costs + prepaids$11,831Not just lender fees.
Before credits & paid funds$283,787The complete starting cash picture.
Estimated remaining funds due at closing
$283,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$271,956.45
Your down payment$271,956.45
Closing costs + prepaids$11,831.03
Total buyer cash needed$283,787.49
Remaining funds due$283,787.49
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%)$765.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$825.25
Initial HOA (3 months)$321.99
Prepaid interest, first (27 days)$450.58
Fees + prepaids$11,831.03
Your down payment is the seller’s equity. You take over the $153,044 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $283,787.49 is due at closing. Uses and sources reconcile at $436,831.03 each. Not a Closing Disclosure.