Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$45,257Cash toward the purchase price.
Closing costs + prepaids$11,067Not just lender fees.
Before credits & paid funds$56,324The complete starting cash picture.
Estimated remaining funds due at closing
$56,324No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,257.19
Your down payment$45,257.19
Closing costs + prepaids$11,067.13
Total buyer cash needed$56,324.31
Remaining funds due$56,324.31
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%)$1,398.71
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 (17 days)$810.41
Fees + prepaids$11,067.13
Your down payment is the seller’s equity. You take over the $279,743 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $56,324.31 is due at closing. Uses and sources reconcile at $336,067.13 each. Not a Closing Disclosure.