Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$77,610Cash toward the purchase price.
Closing costs + prepaids$11,670Not just lender fees.
Before credits & paid funds$89,280The complete starting cash picture.
Estimated remaining funds due at closing
$89,280No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,610.38
Your down payment$77,610.38
Closing costs + prepaids$11,669.63
Total buyer cash needed$89,280.01
Remaining funds due$89,280.01
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%)$1,236.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$412.75
Initial HOA (3 months)$930.00
Prepaid interest, first (31 days)$621.93
Fees + prepaids$11,669.63
Your down payment is the seller’s equity. You take over the $247,390 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $89,280.01 is due at closing. Uses and sources reconcile at $336,669.63 each. Not a Closing Disclosure.