Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$62,451Cash toward the purchase price.
Closing costs + prepaids$10,030Not just lender fees.
Before credits & paid funds$72,481The complete starting cash picture.
Estimated remaining funds due at closing
$72,481No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,450.84
Your down payment$62,450.84
Closing costs + prepaids$10,029.90
Total buyer cash needed$72,480.74
Remaining funds due$72,480.74
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%)$1,312.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$227.00
Prepaid interest, first (1 days)$22.15
Fees + prepaids$10,029.90
Your down payment is the seller’s equity. You take over the $262,549 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $72,480.74 is due at closing. Uses and sources reconcile at $335,029.90 each. Not a Closing Disclosure.