Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$198,745Cash toward the purchase price.
Closing costs + prepaids$9,387Not just lender fees.
Before credits & paid funds$208,132The complete starting cash picture.
Estimated remaining funds due at closing
$208,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$198,744.68
Your down payment$198,744.68
Closing costs + prepaids$9,387.18
Total buyer cash needed$208,131.86
Remaining funds due$208,131.86
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%)$631.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$277.25
Prepaid interest, first (1 days)$10.65
Fees + prepaids$9,387.18
Your down payment is the seller’s equity. You take over the $126,255 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $208,131.86 is due at closing. Uses and sources reconcile at $334,387.18 each. Not a Closing Disclosure.