Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$272,076Cash toward the purchase price.
Closing costs + prepaids$9,554Not just lender fees.
Before credits & paid funds$281,629The complete starting cash picture.
Estimated remaining funds due at closing
$281,629No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$272,075.86
Your down payment$272,075.86
Closing costs + prepaids$9,553.64
Total buyer cash needed$281,629.50
Remaining funds due$281,629.50
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%)$264.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$261.75
Initial HOA (3 months)$390.00
Prepaid interest, first (26 days)$169.27
Fees + prepaids$9,553.64
Your down payment is the seller’s equity. You take over the $52,924 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $281,629.50 is due at closing. Uses and sources reconcile at $334,553.64 each. Not a Closing Disclosure.