Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$48,029Cash toward the purchase price.
Closing costs + prepaids$11,570Not just lender fees.
Before credits & paid funds$59,599The complete starting cash picture.
Estimated remaining funds due at closing
$59,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,029.19
Your down payment$48,029.19
Closing costs + prepaids$11,570.26
Total buyer cash needed$59,599.45
Remaining funds due$59,599.45
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%)$1,384.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$504.50
Prepaid interest, first (24 days)$1,212.90
Fees + prepaids$11,570.26
Your down payment is the seller’s equity. You take over the $276,971 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $59,599.45 is due at closing. Uses and sources reconcile at $336,570.26 each. Not a Closing Disclosure.