Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$236,109Cash toward the purchase price.
Closing costs + prepaids$16,051Not just lender fees.
Before credits & paid funds$252,160The complete starting cash picture.
Estimated remaining funds due at closing
$252,160No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,108.73
Your down payment$236,108.73
Closing costs + prepaids$16,051.32
Total buyer cash needed$252,160.05
Remaining funds due$252,160.05
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,944.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,562.50
Prepaid interest, first (28 days)$826.37
Fees + prepaids$16,051.32
Your down payment is the seller’s equity. You take over the $388,891 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $252,160.05 is due at closing. Uses and sources reconcile at $641,051.32 each. Not a Closing Disclosure.