Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$30,624Cash toward the purchase price.
Closing costs + prepaids$11,576Not just lender fees.
Before credits & paid funds$42,200The complete starting cash picture.
Estimated remaining funds due at closing
$42,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,624.27
Your down payment$30,624.27
Closing costs + prepaids$11,576.18
Total buyer cash needed$42,200.45
Remaining funds due$42,200.45
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%)$1,471.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$390.25
Prepaid interest, first (25 days)$1,246.06
Fees + prepaids$11,576.18
Your down payment is the seller’s equity. You take over the $294,376 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $42,200.45 is due at closing. Uses and sources reconcile at $336,576.18 each. Not a Closing Disclosure.