Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$11,939Cash toward the purchase price.
Closing costs + prepaids$11,314Not just lender fees.
Before credits & paid funds$23,253The complete starting cash picture.
Estimated remaining funds due at closing
$23,253No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,939.42
Your down payment$11,939.42
Closing costs + prepaids$11,314.00
Total buyer cash needed$23,253.42
Remaining funds due$23,253.42
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%)$1,565.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,223.75
Prepaid interest, first (1 days)$56.95
Fees + prepaids$11,314.00
Your down payment is the seller’s equity. You take over the $313,061 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $23,253.42 is due at closing. Uses and sources reconcile at $336,314.00 each. Not a Closing Disclosure.