Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$199,416Cash toward the purchase price.
Closing costs + prepaids$10,550Not just lender fees.
Before credits & paid funds$209,965The complete starting cash picture.
Estimated remaining funds due at closing
$209,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,415.60
Your down payment$199,415.60
Closing costs + prepaids$10,549.57
Total buyer cash needed$209,965.18
Remaining funds due$209,965.18
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%)$627.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$498.75
Initial HOA (3 months)$708.00
Prepaid interest, first (24 days)$246.90
Fees + prepaids$10,549.57
Your down payment is the seller’s equity. You take over the $125,584 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $209,965.18 is due at closing. Uses and sources reconcile at $335,549.57 each. Not a Closing Disclosure.