Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$250,870Cash toward the purchase price.
Closing costs + prepaids$10,973Not just lender fees.
Before credits & paid funds$261,843The complete starting cash picture.
Estimated remaining funds due at closing
$261,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,869.52
Your down payment$250,869.52
Closing costs + prepaids$10,973.05
Total buyer cash needed$261,842.57
Remaining funds due$261,842.57
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%)$4,260.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$875.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$606.25
Prepaid interest, first (1 days)$13.15
Fees + prepaids$10,973.05
Your down payment is the seller’s equity. You take over the $175,130 balance, so the rest of the $426,000 price is paid at closing. A second mortgage can cover part of it. $261,842.57 is due at closing. Uses and sources reconcile at $436,973.05 each. Not a Closing Disclosure.