Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$3,883Cash toward the purchase price.
Closing costs + prepaids$12,396Not just lender fees.
Before credits & paid funds$16,279The complete starting cash picture.
Estimated remaining funds due at closing
$16,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,882.99
Your down payment$3,882.99
Closing costs + prepaids$12,395.73
Total buyer cash needed$16,278.72
Remaining funds due$16,278.72
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%)$1,605.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$812.50
Initial HOA (3 months)$75.00
Prepaid interest, first (23 days)$1,434.65
Fees + prepaids$12,395.73
Your down payment is the seller’s equity. You take over the $321,117 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $16,278.72 is due at closing. Uses and sources reconcile at $337,395.73 each. Not a Closing Disclosure.