Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$103,520Cash toward the purchase price.
Closing costs + prepaids$13,452Not just lender fees.
Before credits & paid funds$116,972The complete starting cash picture.
Estimated remaining funds due at closing
$116,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,520.25
Your down payment$103,520.25
Closing costs + prepaids$13,451.90
Total buyer cash needed$116,972.15
Remaining funds due$116,972.15
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%)$1,107.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$800.00
Initial HOA (3 months)$2,658.00
Prepaid interest, first (30 days)$418.51
Fees + prepaids$13,451.90
Your down payment is the seller’s equity. You take over the $221,480 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $116,972.15 is due at closing. Uses and sources reconcile at $338,451.90 each. Not a Closing Disclosure.