Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$117,952Cash toward the purchase price.
Closing costs + prepaids$10,679Not just lender fees.
Before credits & paid funds$128,631The complete starting cash picture.
Estimated remaining funds due at closing
$128,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,951.63
Your down payment$117,951.63
Closing costs + prepaids$10,678.93
Total buyer cash needed$128,630.56
Remaining funds due$128,630.56
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%)$1,035.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$616.00
Initial HOA (3 months)$90.00
Prepaid interest, first (24 days)$469.69
Fees + prepaids$10,678.93
Your down payment is the seller’s equity. You take over the $207,048 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $128,630.56 is due at closing. Uses and sources reconcile at $335,678.93 each. Not a Closing Disclosure.