Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$237,038Cash toward the purchase price.
Closing costs + prepaids$11,330Not just lender fees.
Before credits & paid funds$248,368The complete starting cash picture.
Estimated remaining funds due at closing
$248,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,037.63
Your down payment$237,037.63
Closing costs + prepaids$11,330.33
Total buyer cash needed$248,367.97
Remaining funds due$248,367.97
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%)$939.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$293.75
Prepaid interest, first (30 days)$628.77
Fees + prepaids$11,330.33
Your down payment is the seller’s equity. You take over the $187,962 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $248,367.97 is due at closing. Uses and sources reconcile at $436,330.33 each. Not a Closing Disclosure.