Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$212,299Cash toward the purchase price.
Closing costs + prepaids$11,515Not just lender fees.
Before credits & paid funds$223,814The complete starting cash picture.
Estimated remaining funds due at closing
$223,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,299.21
Your down payment$212,299.21
Closing costs + prepaids$11,515.15
Total buyer cash needed$223,814.36
Remaining funds due$223,814.36
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%)$1,063.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$331.50
Prepaid interest, first (31 days)$652.15
Fees + prepaids$11,515.15
Your down payment is the seller’s equity. You take over the $212,701 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $223,814.36 is due at closing. Uses and sources reconcile at $436,515.15 each. Not a Closing Disclosure.