Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$93,420Cash toward the purchase price.
Closing costs + prepaids$10,270Not just lender fees.
Before credits & paid funds$103,690The complete starting cash picture.
Estimated remaining funds due at closing
$103,690No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$93,419.63
Your down payment$93,419.63
Closing costs + prepaids$10,270.47
Total buyer cash needed$103,690.10
Remaining funds due$103,690.10
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%)$1,157.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$40.75
Prepaid interest, first (31 days)$603.82
Fees + prepaids$10,270.47
Your down payment is the seller’s equity. You take over the $231,580 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $103,690.10 is due at closing. Uses and sources reconcile at $335,270.47 each. Not a Closing Disclosure.