Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$179,840Cash toward the purchase price.
Closing costs + prepaids$9,854Not just lender fees.
Before credits & paid funds$189,694The complete starting cash picture.
Estimated remaining funds due at closing
$189,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,839.78
Your down payment$179,839.78
Closing costs + prepaids$9,854.47
Total buyer cash needed$189,694.24
Remaining funds due$189,694.24
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%)$725.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$289.25
Initial HOA (3 months)$360.00
Prepaid interest, first (1 days)$11.41
Fees + prepaids$9,854.47
Your down payment is the seller’s equity. You take over the $145,160 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $189,694.24 is due at closing. Uses and sources reconcile at $334,854.47 each. Not a Closing Disclosure.