Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$108,956Cash toward the purchase price.
Closing costs + prepaids$10,463Not just lender fees.
Before credits & paid funds$119,420The complete starting cash picture.
Estimated remaining funds due at closing
$119,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,956.45
Your down payment$108,956.45
Closing costs + prepaids$10,463.23
Total buyer cash needed$119,419.69
Remaining funds due$119,419.69
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%)$1,080.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$454.75
Initial HOA (3 months)$4.74
Prepaid interest, first (26 days)$455.53
Fees + prepaids$10,463.23
Your down payment is the seller’s equity. You take over the $216,044 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $119,419.69 is due at closing. Uses and sources reconcile at $335,463.23 each. Not a Closing Disclosure.