Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$18,764Cash toward the purchase price.
Closing costs + prepaids$12,425Not just lender fees.
Before credits & paid funds$31,190The complete starting cash picture.
Estimated remaining funds due at closing
$31,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,764.32
Your down payment$18,764.32
Closing costs + prepaids$12,425.40
Total buyer cash needed$31,189.72
Remaining funds due$31,189.72
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%)$1,531.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$241.75
Initial HOA (3 months)$1,005.00
Prepaid interest, first (22 days)$1,179.47
Fees + prepaids$12,425.40
Your down payment is the seller’s equity. You take over the $306,236 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $31,189.72 is due at closing. Uses and sources reconcile at $337,425.40 each. Not a Closing Disclosure.