Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$233,145Cash toward the purchase price.
Closing costs + prepaids$11,417Not just lender fees.
Before credits & paid funds$244,563The complete starting cash picture.
Estimated remaining funds due at closing
$244,563No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,145.41
Your down payment$233,145.41
Closing costs + prepaids$11,417.32
Total buyer cash needed$244,562.73
Remaining funds due$244,562.73
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%)$959.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$975.75
Prepaid interest, first (1 days)$14.30
Fees + prepaids$11,417.32
Your down payment is the seller’s equity. You take over the $191,855 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $244,562.73 is due at closing. Uses and sources reconcile at $436,417.32 each. Not a Closing Disclosure.