Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$122,571Cash toward the purchase price.
Closing costs + prepaids$10,812Not just lender fees.
Before credits & paid funds$133,383The complete starting cash picture.
Estimated remaining funds due at closing
$133,383No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,570.60
Your down payment$122,570.60
Closing costs + prepaids$10,812.45
Total buyer cash needed$133,383.05
Remaining funds due$133,383.05
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%)$1,012.15
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)$732.00
Prepaid interest, first (12 days)$210.30
Fees + prepaids$10,812.45
Your down payment is the seller’s equity. You take over the $202,429 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $133,383.05 is due at closing. Uses and sources reconcile at $335,812.45 each. Not a Closing Disclosure.