Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$271,865Cash toward the purchase price.
Closing costs + prepaids$9,392Not just lender fees.
Before credits & paid funds$281,257The complete starting cash picture.
Estimated remaining funds due at closing
$281,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$271,865.26
Your down payment$271,865.26
Closing costs + prepaids$9,391.96
Total buyer cash needed$281,257.22
Remaining funds due$281,257.22
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%)$265.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$261.75
Initial HOA (3 months)$390.00
Prepaid interest, first (1 days)$6.54
Fees + prepaids$9,391.96
Your down payment is the seller’s equity. You take over the $53,135 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $281,257.22 is due at closing. Uses and sources reconcile at $334,391.96 each. Not a Closing Disclosure.