Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$3,132Cash toward the purchase price.
Closing costs + prepaids$11,719Not just lender fees.
Before credits & paid funds$14,850The complete starting cash picture.
Estimated remaining funds due at closing
$14,850No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,131.57
Your down payment$3,131.57
Closing costs + prepaids$11,718.58
Total buyer cash needed$14,850.16
Remaining funds due$14,850.16
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%)$1,609.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$609.50
Prepaid interest, first (18 days)$1,031.74
Fees + prepaids$11,718.58
Your down payment is the seller’s equity. You take over the $321,868 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $14,850.16 is due at closing. Uses and sources reconcile at $336,718.58 each. Not a Closing Disclosure.