Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$156,833Cash toward the purchase price.
Closing costs + prepaids$10,174Not just lender fees.
Before credits & paid funds$167,007The complete starting cash picture.
Estimated remaining funds due at closing
$167,007No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,832.80
Your down payment$156,832.80
Closing costs + prepaids$10,174.23
Total buyer cash needed$167,007.03
Remaining funds due$167,007.03
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%)$840.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$431.75
Prepaid interest, first (26 days)$433.64
Fees + prepaids$10,174.23
Your down payment is the seller’s equity. You take over the $168,167 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $167,007.03 is due at closing. Uses and sources reconcile at $335,174.23 each. Not a Closing Disclosure.