Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$221,435Cash toward the purchase price.
Closing costs + prepaids$11,436Not just lender fees.
Before credits & paid funds$232,870The complete starting cash picture.
Estimated remaining funds due at closing
$232,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,434.85
Your down payment$221,434.85
Closing costs + prepaids$11,435.54
Total buyer cash needed$232,870.39
Remaining funds due$232,870.39
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%)$1,017.83
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)$255.00
Prepaid interest, first (9 days)$184.71
Fees + prepaids$11,435.54
Your down payment is the seller’s equity. You take over the $203,565 balance, so the rest of the $425,000 price is paid at closing. A second mortgage can cover part of it. $232,870.39 is due at closing. Uses and sources reconcile at $436,435.54 each. Not a Closing Disclosure.