Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$109,306Cash toward the purchase price.
Closing costs + prepaids$10,539Not just lender fees.
Before credits & paid funds$119,845The complete starting cash picture.
Estimated remaining funds due at closing
$119,845No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,305.63
Your down payment$109,305.63
Closing costs + prepaids$10,539.13
Total buyer cash needed$119,844.76
Remaining funds due$119,844.76
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%)$1,078.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$562.75
Initial HOA (3 months)$97.50
Prepaid interest, first (18 days)$332.41
Fees + prepaids$10,539.13
Your down payment is the seller’s equity. You take over the $215,694 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $119,844.76 is due at closing. Uses and sources reconcile at $335,539.13 each. Not a Closing Disclosure.