Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$116,115Cash toward the purchase price.
Closing costs + prepaids$10,100Not just lender fees.
Before credits & paid funds$126,215The complete starting cash picture.
Estimated remaining funds due at closing
$126,215No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,115.47
Your down payment$116,115.47
Closing costs + prepaids$10,099.85
Total buyer cash needed$126,215.32
Remaining funds due$126,215.32
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%)$1,044.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$515.75
Initial HOA (3 months)$39.51
Prepaid interest, first (2 days)$32.16
Fees + prepaids$10,099.85
Your down payment is the seller’s equity. You take over the $208,885 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $126,215.32 is due at closing. Uses and sources reconcile at $335,099.85 each. Not a Closing Disclosure.