Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$277,864Cash toward the purchase price.
Closing costs + prepaids$10,813Not just lender fees.
Before credits & paid funds$288,677The complete starting cash picture.
Estimated remaining funds due at closing
$288,677No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,863.68
Your down payment$277,863.68
Closing costs + prepaids$10,812.95
Total buyer cash needed$288,676.63
Remaining funds due$288,676.63
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%)$735.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$314.75
Prepaid interest, first (26 days)$294.51
Fees + prepaids$10,812.95
Your down payment is the seller’s equity. You take over the $147,136 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $288,676.63 is due at closing. Uses and sources reconcile at $435,812.95 each. Not a Closing Disclosure.