Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$251,165Cash toward the purchase price.
Closing costs + prepaids$12,234Not just lender fees.
Before credits & paid funds$263,398The complete starting cash picture.
Estimated remaining funds due at closing
$263,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,164.75
Your down payment$251,164.75
Closing costs + prepaids$12,233.55
Total buyer cash needed$263,398.30
Remaining funds due$263,398.30
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%)$4,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$868.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,262.75
Initial HOA (3 months)$72.51
Prepaid interest, first (30 days)$562.62
Fees + prepaids$12,233.55
Your down payment is the seller’s equity. You take over the $173,735 balance, so the rest of the $424,900 price is paid at closing. A second mortgage can cover part of it. $263,398.30 is due at closing. Uses and sources reconcile at $437,133.55 each. Not a Closing Disclosure.