Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$223,328Cash toward the purchase price.
Closing costs + prepaids$11,704Not just lender fees.
Before credits & paid funds$235,032The complete starting cash picture.
Estimated remaining funds due at closing
$235,032No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,327.63
Your down payment$223,327.63
Closing costs + prepaids$11,704.36
Total buyer cash needed$235,031.98
Remaining funds due$235,031.98
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%)$1,008.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$483.25
Initial HOA (3 months)$90.00
Prepaid interest, first (30 days)$654.74
Fees + prepaids$11,704.36
Your down payment is the seller’s equity. You take over the $201,672 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $235,031.98 is due at closing. Uses and sources reconcile at $436,704.36 each. Not a Closing Disclosure.