Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$131,169Cash toward the purchase price.
Closing costs + prepaids$10,910Not just lender fees.
Before credits & paid funds$142,079The complete starting cash picture.
Estimated remaining funds due at closing
$142,079No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,168.80
Your down payment$131,168.80
Closing costs + prepaids$10,909.97
Total buyer cash needed$142,078.77
Remaining funds due$142,078.77
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%)$969.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$812.50
Initial HOA (3 months)$129.00
Prepaid interest, first (29 days)$531.31
Fees + prepaids$10,909.97
Your down payment is the seller’s equity. You take over the $193,831 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $142,078.77 is due at closing. Uses and sources reconcile at $335,909.97 each. Not a Closing Disclosure.