Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$141,359Cash toward the purchase price.
Closing costs + prepaids$10,874Not just lender fees.
Before credits & paid funds$152,233The complete starting cash picture.
Estimated remaining funds due at closing
$152,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,358.88
Your down payment$141,358.88
Closing costs + prepaids$10,874.19
Total buyer cash needed$152,233.08
Remaining funds due$152,233.08
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%)$918.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$807.25
Initial HOA (3 months)$240.00
Prepaid interest, first (24 days)$440.74
Fees + prepaids$10,874.19
Your down payment is the seller’s equity. You take over the $183,641 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $152,233.08 is due at closing. Uses and sources reconcile at $335,874.19 each. Not a Closing Disclosure.