Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$177,936Cash toward the purchase price.
Closing costs + prepaids$10,843Not just lender fees.
Before credits & paid funds$188,779The complete starting cash picture.
Estimated remaining funds due at closing
$188,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,935.92
Your down payment$177,935.92
Closing costs + prepaids$10,842.93
Total buyer cash needed$188,778.85
Remaining funds due$188,778.85
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%)$735.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$361.75
Initial HOA (3 months)$960.00
Prepaid interest, first (23 days)$317.86
Fees + prepaids$10,842.93
Your down payment is the seller’s equity. You take over the $147,064 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $188,778.85 is due at closing. Uses and sources reconcile at $335,842.93 each. Not a Closing Disclosure.