Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$149,729Cash toward the purchase price.
Closing costs + prepaids$12,225Not just lender fees.
Before credits & paid funds$161,953The complete starting cash picture.
Estimated remaining funds due at closing
$161,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,728.62
Your down payment$149,728.62
Closing costs + prepaids$12,224.53
Total buyer cash needed$161,953.14
Remaining funds due$161,953.14
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%)$876.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,975.00
Prepaid interest, first (29 days)$905.17
Fees + prepaids$12,224.53
Your down payment is the seller’s equity. You take over the $175,271 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $161,953.14 is due at closing. Uses and sources reconcile at $337,224.53 each. Not a Closing Disclosure.