Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$144,848Cash toward the purchase price.
Closing costs + prepaids$10,243Not just lender fees.
Before credits & paid funds$155,091The complete starting cash picture.
Estimated remaining funds due at closing
$155,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,847.96
Your down payment$144,847.96
Closing costs + prepaids$10,243.25
Total buyer cash needed$155,091.21
Remaining funds due$155,091.21
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%)$900.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$390.00
Initial HOA (3 months)$330.00
Prepaid interest, first (10 days)$154.49
Fees + prepaids$10,243.25
Your down payment is the seller’s equity. You take over the $180,152 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $155,091.21 is due at closing. Uses and sources reconcile at $335,243.25 each. Not a Closing Disclosure.