Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$277,864Cash toward the purchase price.
Closing costs + prepaids$10,916Not just lender fees.
Before credits & paid funds$288,780The complete starting cash picture.
Estimated remaining funds due at closing
$288,780No 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$10,916.17
Total buyer cash needed$288,779.85
Remaining funds due$288,779.85
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)$531.25
Prepaid interest, first (16 days)$181.24
Fees + prepaids$10,916.17
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. $288,779.85 is due at closing. Uses and sources reconcile at $435,916.17 each. Not a Closing Disclosure.