Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$187,199Cash toward the purchase price.
Closing costs + prepaids$10,633Not just lender fees.
Before credits & paid funds$197,832The complete starting cash picture.
Estimated remaining funds due at closing
$197,832No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$187,199.36
Your down payment$187,199.36
Closing costs + prepaids$10,633.07
Total buyer cash needed$197,832.43
Remaining funds due$197,832.43
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%)$689.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,057.00
Prepaid interest, first (30 days)$419.06
Fees + prepaids$10,633.07
Your down payment is the seller’s equity. You take over the $137,801 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $197,832.43 is due at closing. Uses and sources reconcile at $335,633.07 each. Not a Closing Disclosure.