Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$129,514Cash toward the purchase price.
Closing costs + prepaids$12,740Not just lender fees.
Before credits & paid funds$142,254The complete starting cash picture.
Estimated remaining funds due at closing
$142,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,514.02
Your down payment$129,514.02
Closing costs + prepaids$12,739.70
Total buyer cash needed$142,253.73
Remaining funds due$142,253.73
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%)$977.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,187.00
Initial HOA (3 months)$176.01
Prepaid interest, first (27 days)$931.26
Fees + prepaids$12,739.70
Your down payment is the seller’s equity. You take over the $195,486 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $142,253.73 is due at closing. Uses and sources reconcile at $337,739.70 each. Not a Closing Disclosure.