Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$251,288Cash toward the purchase price.
Closing costs + prepaids$10,981Not just lender fees.
Before credits & paid funds$262,269The complete starting cash picture.
Estimated remaining funds due at closing
$262,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,288.12
Your down payment$251,288.12
Closing costs + prepaids$10,980.85
Total buyer cash needed$262,268.96
Remaining funds due$262,268.96
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%)$4,260.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$873.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$511.25
Prepaid interest, first (9 days)$118.04
Fees + prepaids$10,980.85
Your down payment is the seller’s equity. You take over the $174,712 balance, so the rest of the $426,000 price is paid at closing. A second mortgage can cover part of it. $262,268.96 is due at closing. Uses and sources reconcile at $436,980.85 each. Not a Closing Disclosure.