Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$235,921Cash toward the purchase price.
Closing costs + prepaids$12,004Not just lender fees.
Before credits & paid funds$247,926The complete starting cash picture.
Estimated remaining funds due at closing
$247,926No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,921.18
Your down payment$235,921.18
Closing costs + prepaids$12,004.47
Total buyer cash needed$247,925.65
Remaining funds due$247,925.65
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%)$945.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$784.25
Prepaid interest, first (25 days)$806.82
Fees + prepaids$12,004.47
Your down payment is the seller’s equity. You take over the $189,079 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $247,925.65 is due at closing. Uses and sources reconcile at $437,004.47 each. Not a Closing Disclosure.