Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$90,039Cash toward the purchase price.
Closing costs + prepaids$10,664Not just lender fees.
Before credits & paid funds$100,702The complete starting cash picture.
Estimated remaining funds due at closing
$100,702No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,038.68
Your down payment$90,038.68
Closing costs + prepaids$10,663.74
Total buyer cash needed$100,702.42
Remaining funds due$100,702.42
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%)$1,174.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$408.75
Prepaid interest, first (30 days)$612.19
Fees + prepaids$10,663.74
Your down payment is the seller’s equity. You take over the $234,961 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $100,702.42 is due at closing. Uses and sources reconcile at $335,663.74 each. Not a Closing Disclosure.