Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$236,418Cash toward the purchase price.
Closing costs + prepaids$10,924Not just lender fees.
Before credits & paid funds$247,342The complete starting cash picture.
Estimated remaining funds due at closing
$247,342No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,417.96
Your down payment$236,417.96
Closing costs + prepaids$10,924.09
Total buyer cash needed$247,342.05
Remaining funds due$247,342.05
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%)$942.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$148.00
Prepaid interest, first (19 days)$365.18
Fees + prepaids$10,924.09
Your down payment is the seller’s equity. You take over the $188,582 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $247,342.05 is due at closing. Uses and sources reconcile at $435,924.09 each. Not a Closing Disclosure.