Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$118,274Cash toward the purchase price.
Closing costs + prepaids$11,935Not just lender fees.
Before credits & paid funds$130,210The complete starting cash picture.
Estimated remaining funds due at closing
$130,210No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,274.23
Your down payment$118,274.23
Closing costs + prepaids$11,935.38
Total buyer cash needed$130,209.61
Remaining funds due$130,209.61
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%)$1,033.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$220.50
Initial HOA (3 months)$2,136.00
Prepaid interest, first (2 days)$77.25
Fees + prepaids$11,935.38
Your down payment is the seller’s equity. You take over the $206,726 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $130,209.61 is due at closing. Uses and sources reconcile at $336,935.38 each. Not a Closing Disclosure.