Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$60,049Cash toward the purchase price.
Closing costs + prepaids$11,679Not just lender fees.
Before credits & paid funds$71,728The complete starting cash picture.
Estimated remaining funds due at closing
$71,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,049.21
Your down payment$60,049.21
Closing costs + prepaids$11,678.53
Total buyer cash needed$71,727.74
Remaining funds due$71,727.74
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%)$1,324.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$617.50
Prepaid interest, first (26 days)$1,268.28
Fees + prepaids$11,678.53
Your down payment is the seller’s equity. You take over the $264,951 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $71,727.74 is due at closing. Uses and sources reconcile at $336,678.53 each. Not a Closing Disclosure.