Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$48,464Cash toward the purchase price.
Closing costs + prepaids$11,051Not just lender fees.
Before credits & paid funds$59,515The complete starting cash picture.
Estimated remaining funds due at closing
$59,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,464.13
Your down payment$48,464.13
Closing costs + prepaids$11,050.64
Total buyer cash needed$59,514.77
Remaining funds due$59,514.77
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%)$1,382.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$236.25
Prepaid interest, first (24 days)$963.71
Fees + prepaids$11,050.64
Your down payment is the seller’s equity. You take over the $276,536 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $59,514.77 is due at closing. Uses and sources reconcile at $336,050.64 each. Not a Closing Disclosure.