Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$265,213Cash toward the purchase price.
Closing costs + prepaids$12,138Not just lender fees.
Before credits & paid funds$277,350The complete starting cash picture.
Estimated remaining funds due at closing
$277,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$265,212.81
Your down payment$265,212.81
Closing costs + prepaids$12,137.51
Total buyer cash needed$277,350.32
Remaining funds due$277,350.32
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%)$798.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$1,638.99
Prepaid interest, first (23 days)$231.58
Fees + prepaids$12,137.51
Your down payment is the seller’s equity. You take over the $159,787 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $277,350.32 is due at closing. Uses and sources reconcile at $437,137.51 each. Not a Closing Disclosure.