Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$12,372Cash toward the purchase price.
Closing costs + prepaids$12,894Not just lender fees.
Before credits & paid funds$25,266The complete starting cash picture.
Estimated remaining funds due at closing
$25,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,371.78
Your down payment$12,371.78
Closing costs + prepaids$12,894.08
Total buyer cash needed$25,265.86
Remaining funds due$25,265.86
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%)$1,563.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,307.25
Initial HOA (3 months)$939.00
Prepaid interest, first (24 days)$616.69
Fees + prepaids$12,894.08
Your down payment is the seller’s equity. You take over the $312,628 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $25,265.86 is due at closing. Uses and sources reconcile at $337,894.08 each. Not a Closing Disclosure.