Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$92,470Cash toward the purchase price.
Closing costs + prepaids$10,705Not just lender fees.
Before credits & paid funds$103,175The complete starting cash picture.
Estimated remaining funds due at closing
$103,175No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,470.00
Your down payment$92,470.00
Closing costs + prepaids$10,705.01
Total buyer cash needed$103,175.01
Remaining funds due$103,175.01
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%)$1,162.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$505.50
Initial HOA (3 months)$182.01
Prepaid interest, first (27 days)$386.85
Fees + prepaids$10,705.01
Your down payment is the seller’s equity. You take over the $232,530 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $103,175.01 is due at closing. Uses and sources reconcile at $335,705.01 each. Not a Closing Disclosure.