Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$26,687Cash toward the purchase price.
Closing costs + prepaids$12,706Not just lender fees.
Before credits & paid funds$39,392The complete starting cash picture.
Estimated remaining funds due at closing
$39,392No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,686.55
Your down payment$26,686.55
Closing costs + prepaids$12,705.88
Total buyer cash needed$39,392.43
Remaining funds due$39,392.43
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%)$3,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,491.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$545.25
Initial HOA (3 months)$501.00
Prepaid interest, first (31 days)$1,700.06
Fees + prepaids$12,705.88
Your down payment is the seller’s equity. You take over the $298,313 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $39,392.43 is due at closing. Uses and sources reconcile at $337,705.88 each. Not a Closing Disclosure.