Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$117,952Cash toward the purchase price.
Closing costs + prepaids$10,273Not just lender fees.
Before credits & paid funds$128,225The complete starting cash picture.
Estimated remaining funds due at closing
$128,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,951.63
Your down payment$117,951.63
Closing costs + prepaids$10,273.48
Total buyer cash needed$128,225.11
Remaining funds due$128,225.11
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%)$1,035.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$406.25
Initial HOA (3 months)$90.00
Prepaid interest, first (14 days)$273.98
Fees + prepaids$10,273.48
Your down payment is the seller’s equity. You take over the $207,048 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $128,225.11 is due at closing. Uses and sources reconcile at $335,273.48 each. Not a Closing Disclosure.