Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$3,572Cash toward the purchase price.
Closing costs + prepaids$11,025Not just lender fees.
Before credits & paid funds$14,597The complete starting cash picture.
Estimated remaining funds due at closing
$14,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,572.24
Your down payment$3,572.24
Closing costs + prepaids$11,025.08
Total buyer cash needed$14,597.32
Remaining funds due$14,597.32
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%)$1,607.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$812.50
Initial HOA (3 months)$75.00
Prepaid interest, first (1 days)$62.44
Fees + prepaids$11,025.08
Your down payment is the seller’s equity. You take over the $321,428 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $14,597.32 is due at closing. Uses and sources reconcile at $336,025.08 each. Not a Closing Disclosure.