Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$16,850Cash toward the purchase price.
Closing costs + prepaids$12,028Not just lender fees.
Before credits & paid funds$28,878The complete starting cash picture.
Estimated remaining funds due at closing
$28,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,849.72
Your down payment$16,849.72
Closing costs + prepaids$12,028.17
Total buyer cash needed$28,877.89
Remaining funds due$28,877.89
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%)$1,540.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$439.75
Prepaid interest, first (27 days)$1,579.67
Fees + prepaids$12,028.17
Your down payment is the seller’s equity. You take over the $308,150 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $28,877.89 is due at closing. Uses and sources reconcile at $337,028.17 each. Not a Closing Disclosure.