Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$251,841Cash toward the purchase price.
Closing costs + prepaids$10,627Not just lender fees.
Before credits & paid funds$262,467The complete starting cash picture.
Estimated remaining funds due at closing
$262,467No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,840.84
Your down payment$251,840.84
Closing costs + prepaids$10,626.61
Total buyer cash needed$262,467.45
Remaining funds due$262,467.45
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%)$4,259.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$870.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$266.25
Prepaid interest, first (1 days)$13.07
Fees + prepaids$10,626.61
Your down payment is the seller’s equity. You take over the $174,059 balance, so the rest of the $425,900 price is paid at closing. A second mortgage can cover part of it. $262,467.45 is due at closing. Uses and sources reconcile at $436,526.61 each. Not a Closing Disclosure.