Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$199,162Cash toward the purchase price.
Closing costs + prepaids$9,653Not just lender fees.
Before credits & paid funds$208,815The complete starting cash picture.
Estimated remaining funds due at closing
$208,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,161.95
Your down payment$199,161.95
Closing costs + prepaids$9,653.11
Total buyer cash needed$208,815.06
Remaining funds due$208,815.06
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%)$629.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$304.75
Initial HOA (3 months)$222.00
Prepaid interest, first (2 days)$29.17
Fees + prepaids$9,653.11
Your down payment is the seller’s equity. You take over the $125,838 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $208,815.06 is due at closing. Uses and sources reconcile at $334,653.11 each. Not a Closing Disclosure.