Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$311,345Cash toward the purchase price.
Closing costs + prepaids$10,926Not just lender fees.
Before credits & paid funds$322,271The complete starting cash picture.
Estimated remaining funds due at closing
$322,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$311,345.02
Your down payment$311,345.02
Closing costs + prepaids$10,925.60
Total buyer cash needed$322,270.63
Remaining funds due$322,270.63
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%)$568.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$327.50
Initial HOA (3 months)$549.00
Prepaid interest, first (1 days)$12.83
Fees + prepaids$10,925.60
Your down payment is the seller’s equity. You take over the $113,655 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $322,270.63 is due at closing. Uses and sources reconcile at $435,925.60 each. Not a Closing Disclosure.