Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$12,208Cash toward the purchase price.
Closing costs + prepaids$12,385Not just lender fees.
Before credits & paid funds$24,593The complete starting cash picture.
Estimated remaining funds due at closing
$24,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,208.33
Your down payment$12,208.33
Closing costs + prepaids$12,384.77
Total buyer cash needed$24,593.09
Remaining funds due$24,593.09
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%)$1,563.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$580.75
Initial HOA (3 months)$150.00
Prepaid interest, first (28 days)$1,622.06
Fees + prepaids$12,384.77
Your down payment is the seller’s equity. You take over the $312,792 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $24,593.09 is due at closing. Uses and sources reconcile at $337,384.77 each. Not a Closing Disclosure.