Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$215,704Cash toward the purchase price.
Closing costs + prepaids$9,508Not just lender fees.
Before credits & paid funds$225,212The complete starting cash picture.
Estimated remaining funds due at closing
$225,212No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$215,704.00
Your down payment$215,704.00
Closing costs + prepaids$9,507.75
Total buyer cash needed$225,211.75
Remaining funds due$225,211.75
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%)$546.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$342.00
Initial HOA (3 months)$141.99
Prepaid interest, first (1 days)$9.28
Fees + prepaids$9,507.75
Your down payment is the seller’s equity. You take over the $109,296 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $225,211.75 is due at closing. Uses and sources reconcile at $334,507.75 each. Not a Closing Disclosure.