Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$240,020Cash toward the purchase price.
Closing costs + prepaids$10,725Not just lender fees.
Before credits & paid funds$250,744The complete starting cash picture.
Estimated remaining funds due at closing
$250,744No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,019.75
Your down payment$240,019.75
Closing costs + prepaids$10,724.57
Total buyer cash needed$250,744.33
Remaining funds due$250,744.33
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%)$924.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$311.50
Prepaid interest, first (1 days)$20.17
Fees + prepaids$10,724.57
Your down payment is the seller’s equity. You take over the $184,980 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $250,744.33 is due at closing. Uses and sources reconcile at $435,724.57 each. Not a Closing Disclosure.