Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$49,143Cash toward the purchase price.
Closing costs + prepaids$10,835Not just lender fees.
Before credits & paid funds$59,977The complete starting cash picture.
Estimated remaining funds due at closing
$59,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,142.81
Your down payment$49,142.81
Closing costs + prepaids$10,834.56
Total buyer cash needed$59,977.37
Remaining funds due$59,977.37
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%)$1,379.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$912.00
Prepaid interest, first (2 days)$75.28
Fees + prepaids$10,834.56
Your down payment is the seller’s equity. You take over the $275,857 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $59,977.37 is due at closing. Uses and sources reconcile at $335,834.56 each. Not a Closing Disclosure.