Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$8,662Cash toward the purchase price.
Closing costs + prepaids$12,170Not just lender fees.
Before credits & paid funds$20,832The complete starting cash picture.
Estimated remaining funds due at closing
$20,832No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,662.05
Your down payment$8,662.05
Closing costs + prepaids$12,169.95
Total buyer cash needed$20,832.01
Remaining funds due$20,832.01
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%)$1,581.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$567.00
Prepaid interest, first (29 days)$1,553.26
Fees + prepaids$12,169.95
Your down payment is the seller’s equity. You take over the $316,338 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $20,832.01 is due at closing. Uses and sources reconcile at $337,169.95 each. Not a Closing Disclosure.