Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$182,278Cash toward the purchase price.
Closing costs + prepaids$9,383Not just lender fees.
Before credits & paid funds$191,661The complete starting cash picture.
Estimated remaining funds due at closing
$191,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,278.08
Your down payment$182,278.08
Closing costs + prepaids$9,382.88
Total buyer cash needed$191,660.96
Remaining funds due$191,660.96
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%)$713.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$180.00
Prepaid interest, first (2 days)$21.27
Fees + prepaids$9,382.88
Your down payment is the seller’s equity. You take over the $142,722 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $191,660.96 is due at closing. Uses and sources reconcile at $334,382.88 each. Not a Closing Disclosure.