Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$105,423Cash toward the purchase price.
Closing costs + prepaids$10,119Not just lender fees.
Before credits & paid funds$115,542The complete starting cash picture.
Estimated remaining funds due at closing
$115,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,422.55
Your down payment$105,422.55
Closing costs + prepaids$10,119.40
Total buyer cash needed$115,541.95
Remaining funds due$115,541.95
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%)$1,097.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$390.00
Prepaid interest, first (9 days)$163.51
Fees + prepaids$10,119.40
Your down payment is the seller’s equity. You take over the $219,577 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $115,541.95 is due at closing. Uses and sources reconcile at $335,119.40 each. Not a Closing Disclosure.