Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$29,452Cash toward the purchase price.
Closing costs + prepaids$12,315Not just lender fees.
Before credits & paid funds$41,767The complete starting cash picture.
Estimated remaining funds due at closing
$41,767No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,452.48
Your down payment$29,452.48
Closing costs + prepaids$12,314.52
Total buyer cash needed$41,767.01
Remaining funds due$41,767.01
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%)$1,477.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$908.75
Initial HOA (3 months)$38.49
Prepaid interest, first (28 days)$1,421.54
Fees + prepaids$12,314.52
Your down payment is the seller’s equity. You take over the $295,548 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $41,767.01 is due at closing. Uses and sources reconcile at $337,314.52 each. Not a Closing Disclosure.