Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$68,101Cash toward the purchase price.
Closing costs + prepaids$11,346Not just lender fees.
Before credits & paid funds$79,447The complete starting cash picture.
Estimated remaining funds due at closing
$79,447No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,101.39
Your down payment$68,101.39
Closing costs + prepaids$11,345.71
Total buyer cash needed$79,447.10
Remaining funds due$79,447.10
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%)$3,259.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,288.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$159.50
Initial HOA (3 months)$1,326.00
Prepaid interest, first (2 days)$94.22
Fees + prepaids$11,345.71
Your down payment is the seller’s equity. You take over the $257,799 balance, so the rest of the $325,900 price is paid at closing. A second mortgage can cover part of it. $79,447.10 is due at closing. Uses and sources reconcile at $337,245.71 each. Not a Closing Disclosure.