Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$233,967Cash toward the purchase price.
Closing costs + prepaids$9,061Not just lender fees.
Before credits & paid funds$243,028The complete starting cash picture.
Estimated remaining funds due at closing
$243,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,967.06
Your down payment$233,967.06
Closing costs + prepaids$9,061.25
Total buyer cash needed$243,028.31
Remaining funds due$243,028.31
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%)$455.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$131.25
Prepaid interest, first (1 days)$6.83
Fees + prepaids$9,061.25
Your down payment is the seller’s equity. You take over the $91,033 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $243,028.31 is due at closing. Uses and sources reconcile at $334,061.25 each. Not a Closing Disclosure.