Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$59,969Cash toward the purchase price.
Closing costs + prepaids$12,916Not just lender fees.
Before credits & paid funds$72,884The complete starting cash picture.
Estimated remaining funds due at closing
$72,884No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,968.54
Your down payment$59,968.54
Closing costs + prepaids$12,915.87
Total buyer cash needed$72,884.41
Remaining funds due$72,884.41
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%)$1,325.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,616.25
Initial HOA (3 months)$189.00
Prepaid interest, first (27 days)$1,317.46
Fees + prepaids$12,915.87
Your down payment is the seller’s equity. You take over the $265,031 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $72,884.41 is due at closing. Uses and sources reconcile at $337,915.87 each. Not a Closing Disclosure.