Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$250,076Cash toward the purchase price.
Closing costs + prepaids$11,389Not just lender fees.
Before credits & paid funds$261,465The complete starting cash picture.
Estimated remaining funds due at closing
$261,465No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,075.71
Your down payment$250,075.71
Closing costs + prepaids$11,389.42
Total buyer cash needed$261,465.13
Remaining funds due$261,465.13
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%)$874.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$592.00
Prepaid interest, first (26 days)$454.80
Fees + prepaids$11,389.42
Your down payment is the seller’s equity. You take over the $174,924 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $261,465.13 is due at closing. Uses and sources reconcile at $436,389.42 each. Not a Closing Disclosure.