Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$260,899Cash toward the purchase price.
Closing costs + prepaids$12,892Not just lender fees.
Before credits & paid funds$273,791The complete starting cash picture.
Estimated remaining funds due at closing
$273,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$260,899.00
Your down payment$260,899.00
Closing costs + prepaids$12,892.47
Total buyer cash needed$273,791.46
Remaining funds due$273,791.46
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%)$820.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,912.00
Initial HOA (3 months)$309.99
Prepaid interest, first (24 days)$381.97
Fees + prepaids$12,892.47
Your down payment is the seller’s equity. You take over the $164,101 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $273,791.46 is due at closing. Uses and sources reconcile at $437,892.47 each. Not a Closing Disclosure.