Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$253,735Cash toward the purchase price.
Closing costs + prepaids$11,368Not just lender fees.
Before credits & paid funds$265,104The complete starting cash picture.
Estimated remaining funds due at closing
$265,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,735.37
Your down payment$253,735.37
Closing costs + prepaids$11,368.15
Total buyer cash needed$265,103.52
Remaining funds due$265,103.52
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%)$856.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$510.00
Initial HOA (3 months)$378.00
Prepaid interest, first (9 days)$155.83
Fees + prepaids$11,368.15
Your down payment is the seller’s equity. You take over the $171,265 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $265,103.52 is due at closing. Uses and sources reconcile at $436,368.15 each. Not a Closing Disclosure.