Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$1,011Cash toward the purchase price.
Closing costs + prepaids$12,033Not just lender fees.
Before credits & paid funds$13,044The complete starting cash picture.
Estimated remaining funds due at closing
$13,044No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,011.45
Your down payment$1,011.45
Closing costs + prepaids$12,032.87
Total buyer cash needed$13,044.31
Remaining funds due$13,044.31
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%)$1,619.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$382.50
Prepaid interest, first (26 days)$1,562.42
Fees + prepaids$12,032.87
Your down payment is the seller’s equity. You take over the $323,989 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $13,044.31 is due at closing. Uses and sources reconcile at $337,032.87 each. Not a Closing Disclosure.