Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$68,353Cash toward the purchase price.
Closing costs + prepaids$12,709Not just lender fees.
Before credits & paid funds$81,062The complete starting cash picture.
Estimated remaining funds due at closing
$81,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,353.04
Your down payment$68,353.04
Closing costs + prepaids$12,709.22
Total buyer cash needed$81,062.26
Remaining funds due$81,062.26
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%)$3,259.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,287.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$159.50
Initial HOA (3 months)$1,326.00
Prepaid interest, first (31 days)$1,458.99
Fees + prepaids$12,709.22
Your down payment is the seller’s equity. You take over the $257,547 balance, so the rest of the $325,900 price is paid at closing. A second mortgage can cover part of it. $81,062.26 is due at closing. Uses and sources reconcile at $338,609.22 each. Not a Closing Disclosure.