Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$250,209Cash toward the purchase price.
Closing costs + prepaids$11,435Not just lender fees.
Before credits & paid funds$261,644The complete starting cash picture.
Estimated remaining funds due at closing
$261,644No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,208.63
Your down payment$250,208.63
Closing costs + prepaids$11,435.17
Total buyer cash needed$261,643.81
Remaining funds due$261,643.81
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%)$873.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$851.00
Prepaid interest, first (18 days)$242.22
Fees + prepaids$11,435.17
Your down payment is the seller’s equity. You take over the $174,791 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $261,643.81 is due at closing. Uses and sources reconcile at $436,435.17 each. Not a Closing Disclosure.