Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$235,054Cash toward the purchase price.
Closing costs + prepaids$12,124Not just lender fees.
Before credits & paid funds$247,178The complete starting cash picture.
Estimated remaining funds due at closing
$247,178No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,054.36
Your down payment$235,054.36
Closing costs + prepaids$12,123.58
Total buyer cash needed$247,177.95
Remaining funds due$247,177.95
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%)$949.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,034.75
Prepaid interest, first (31 days)$671.11
Fees + prepaids$12,123.58
Your down payment is the seller’s equity. You take over the $189,946 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $247,177.95 is due at closing. Uses and sources reconcile at $437,123.58 each. Not a Closing Disclosure.