Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$243,483Cash toward the purchase price.
Closing costs + prepaids$10,939Not just lender fees.
Before credits & paid funds$254,423The complete starting cash picture.
Estimated remaining funds due at closing
$254,423No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,483.32
Your down payment$243,483.32
Closing costs + prepaids$10,939.32
Total buyer cash needed$254,422.64
Remaining funds due$254,422.64
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%)$907.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$220.75
Initial HOA (3 months)$9.99
Prepaid interest, first (24 days)$333.00
Fees + prepaids$10,939.32
Your down payment is the seller’s equity. You take over the $181,517 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $254,422.64 is due at closing. Uses and sources reconcile at $435,939.32 each. Not a Closing Disclosure.