Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$94,820Cash toward the purchase price.
Closing costs + prepaids$11,130Not just lender fees.
Before credits & paid funds$105,950The complete starting cash picture.
Estimated remaining funds due at closing
$105,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,819.65
Your down payment$94,819.65
Closing costs + prepaids$11,130.43
Total buyer cash needed$105,950.09
Remaining funds due$105,950.09
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%)$1,150.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$891.25
Initial HOA (3 months)$62.49
Prepaid interest, first (29 days)$557.79
Fees + prepaids$11,130.43
Your down payment is the seller’s equity. You take over the $230,180 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $105,950.09 is due at closing. Uses and sources reconcile at $336,130.43 each. Not a Closing Disclosure.