Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$153,328Cash toward the purchase price.
Closing costs + prepaids$10,206Not just lender fees.
Before credits & paid funds$163,534The complete starting cash picture.
Estimated remaining funds due at closing
$163,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,327.58
Your down payment$153,327.58
Closing costs + prepaids$10,206.04
Total buyer cash needed$163,533.62
Remaining funds due$163,533.62
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%)$858.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$406.00
Prepaid interest, first (27 days)$473.67
Fees + prepaids$10,206.04
Your down payment is the seller’s equity. You take over the $171,672 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $163,533.62 is due at closing. Uses and sources reconcile at $335,206.04 each. Not a Closing Disclosure.