Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$71,299Cash toward the purchase price.
Closing costs + prepaids$10,658Not just lender fees.
Before credits & paid funds$81,957The complete starting cash picture.
Estimated remaining funds due at closing
$81,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,298.79
Your down payment$71,298.79
Closing costs + prepaids$10,657.87
Total buyer cash needed$81,956.67
Remaining funds due$81,956.67
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%)$3,260.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,273.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$226.00
Prepaid interest, first (30 days)$680.37
Fees + prepaids$10,657.87
Your down payment is the seller’s equity. You take over the $254,701 balance, so the rest of the $326,000 price is paid at closing. A second mortgage can cover part of it. $81,956.67 is due at closing. Uses and sources reconcile at $336,657.87 each. Not a Closing Disclosure.