Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$23,744Cash toward the purchase price.
Closing costs + prepaids$13,276Not just lender fees.
Before credits & paid funds$37,019The complete starting cash picture.
Estimated remaining funds due at closing
$37,019No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,743.52
Your down payment$23,743.52
Closing costs + prepaids$13,275.68
Total buyer cash needed$37,019.21
Remaining funds due$37,019.21
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%)$1,506.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,997.25
Prepaid interest, first (23 days)$1,304.15
Fees + prepaids$13,275.68
Your down payment is the seller’s equity. You take over the $301,256 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $37,019.21 is due at closing. Uses and sources reconcile at $338,275.68 each. Not a Closing Disclosure.