Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$310,277Cash toward the purchase price.
Closing costs + prepaids$10,941Not just lender fees.
Before credits & paid funds$321,219The complete starting cash picture.
Estimated remaining funds due at closing
$321,219No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,277.46
Your down payment$310,277.46
Closing costs + prepaids$10,941.12
Total buyer cash needed$321,218.57
Remaining funds due$321,218.57
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%)$573.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$622.00
Prepaid interest, first (27 days)$277.50
Fees + prepaids$10,941.12
Your down payment is the seller’s equity. You take over the $114,723 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $321,218.57 is due at closing. Uses and sources reconcile at $435,941.12 each. Not a Closing Disclosure.