Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$33,697Cash toward the purchase price.
Closing costs + prepaids$12,105Not just lender fees.
Before credits & paid funds$45,802The complete starting cash picture.
Estimated remaining funds due at closing
$45,802No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,696.82
Your down payment$33,696.82
Closing costs + prepaids$12,104.69
Total buyer cash needed$45,801.52
Remaining funds due$45,801.52
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%)$1,456.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$431.00
Prepaid interest, first (31 days)$1,749.18
Fees + prepaids$12,104.69
Your down payment is the seller’s equity. You take over the $291,303 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $45,801.52 is due at closing. Uses and sources reconcile at $337,104.69 each. Not a Closing Disclosure.