Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$103,985Cash toward the purchase price.
Closing costs + prepaids$10,796Not just lender fees.
Before credits & paid funds$114,781The complete starting cash picture.
Estimated remaining funds due at closing
$114,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,984.84
Your down payment$103,984.84
Closing costs + prepaids$10,796.32
Total buyer cash needed$114,781.16
Remaining funds due$114,781.16
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%)$1,105.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$585.75
Prepaid interest, first (28 days)$637.49
Fees + prepaids$10,796.32
Your down payment is the seller’s equity. You take over the $221,015 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $114,781.16 is due at closing. Uses and sources reconcile at $335,796.32 each. Not a Closing Disclosure.