Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$173,411Cash toward the purchase price.
Closing costs + prepaids$10,014Not just lender fees.
Before credits & paid funds$183,425The complete starting cash picture.
Estimated remaining funds due at closing
$183,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,411.05
Your down payment$173,411.05
Closing costs + prepaids$10,014.24
Total buyer cash needed$183,425.29
Remaining funds due$183,425.29
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%)$757.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$277.00
Initial HOA (3 months)$144.99
Prepaid interest, first (30 days)$366.31
Fees + prepaids$10,014.24
Your down payment is the seller’s equity. You take over the $151,589 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $183,425.29 is due at closing. Uses and sources reconcile at $335,014.24 each. Not a Closing Disclosure.