Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$97,584Cash toward the purchase price.
Closing costs + prepaids$10,636Not just lender fees.
Before credits & paid funds$108,220The complete starting cash picture.
Estimated remaining funds due at closing
$108,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,584.08
Your down payment$97,584.08
Closing costs + prepaids$10,636.10
Total buyer cash needed$108,220.18
Remaining funds due$108,220.18
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%)$1,137.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$555.50
Prepaid interest, first (24 days)$475.52
Fees + prepaids$10,636.10
Your down payment is the seller’s equity. You take over the $227,416 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $108,220.18 is due at closing. Uses and sources reconcile at $335,636.10 each. Not a Closing Disclosure.