Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$101,313Cash toward the purchase price.
Closing costs + prepaids$12,528Not just lender fees.
Before credits & paid funds$113,841The complete starting cash picture.
Estimated remaining funds due at closing
$113,841No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,312.70
Your down payment$101,312.70
Closing costs + prepaids$12,528.47
Total buyer cash needed$113,841.17
Remaining funds due$113,841.17
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%)$3,265.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,125.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,181.75
Initial HOA (3 months)$702.00
Prepaid interest, first (2 days)$35.78
Fees + prepaids$12,528.47
Your down payment is the seller’s equity. You take over the $225,187 balance, so the rest of the $326,500 price is paid at closing. A second mortgage can cover part of it. $113,841.17 is due at closing. Uses and sources reconcile at $339,028.47 each. Not a Closing Disclosure.