Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$215,952Cash toward the purchase price.
Closing costs + prepaids$9,720Not just lender fees.
Before credits & paid funds$225,671The complete starting cash picture.
Estimated remaining funds due at closing
$225,671No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,951.54
Your down payment$215,951.54
Closing costs + prepaids$9,719.51
Total buyer cash needed$225,671.05
Remaining funds due$225,671.05
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%)$545.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$342.00
Initial HOA (3 months)$141.99
Prepaid interest, first (24 days)$222.28
Fees + prepaids$9,719.51
Your down payment is the seller’s equity. You take over the $109,048 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $225,671.05 is due at closing. Uses and sources reconcile at $334,719.51 each. Not a Closing Disclosure.