Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$89,787Cash toward the purchase price.
Closing costs + prepaids$10,790Not just lender fees.
Before credits & paid funds$100,577The complete starting cash picture.
Estimated remaining funds due at closing
$100,577No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,786.63
Your down payment$89,786.63
Closing costs + prepaids$10,789.94
Total buyer cash needed$100,576.57
Remaining funds due$100,576.57
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%)$1,176.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$260.50
Initial HOA (3 months)$336.00
Prepaid interest, first (31 days)$549.37
Fees + prepaids$10,789.94
Your down payment is the seller’s equity. You take over the $235,213 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $100,576.57 is due at closing. Uses and sources reconcile at $335,789.94 each. Not a Closing Disclosure.