Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$241,579Cash toward the purchase price.
Closing costs + prepaids$9,622Not just lender fees.
Before credits & paid funds$251,200The complete starting cash picture.
Estimated remaining funds due at closing
$251,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,578.53
Your down payment$241,578.53
Closing costs + prepaids$9,621.94
Total buyer cash needed$251,200.47
Remaining funds due$251,200.47
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%)$417.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$571.75
Prepaid interest, first (31 days)$165.08
Fees + prepaids$9,621.94
Your down payment is the seller’s equity. You take over the $83,421 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $251,200.47 is due at closing. Uses and sources reconcile at $334,621.94 each. Not a Closing Disclosure.