Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$38,935Cash toward the purchase price.
Closing costs + prepaids$11,819Not just lender fees.
Before credits & paid funds$50,755The complete starting cash picture.
Estimated remaining funds due at closing
$50,755No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,935.21
Your down payment$38,935.21
Closing costs + prepaids$11,819.42
Total buyer cash needed$50,754.63
Remaining funds due$50,754.63
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%)$1,430.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$812.50
Prepaid interest, first (23 days)$1,108.60
Fees + prepaids$11,819.42
Your down payment is the seller’s equity. You take over the $286,065 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $50,754.63 is due at closing. Uses and sources reconcile at $336,819.42 each. Not a Closing Disclosure.