Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$304,201Cash toward the purchase price.
Closing costs + prepaids$14,225Not just lender fees.
Before credits & paid funds$318,426The complete starting cash picture.
Estimated remaining funds due at closing
$318,426No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,200.99
Your down payment$304,200.99
Closing costs + prepaids$14,224.88
Total buyer cash needed$318,425.88
Remaining funds due$318,425.88
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%)$604.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,980.50
Initial HOA (3 months)$1,809.00
Prepaid interest, first (30 days)$363.39
Fees + prepaids$14,224.88
Your down payment is the seller’s equity. You take over the $120,799 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $318,425.88 is due at closing. Uses and sources reconcile at $439,224.88 each. Not a Closing Disclosure.