Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$18,884Cash toward the purchase price.
Closing costs + prepaids$11,713Not just lender fees.
Before credits & paid funds$30,596The complete starting cash picture.
Estimated remaining funds due at closing
$30,596No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,883.78
Your down payment$18,883.78
Closing costs + prepaids$11,712.61
Total buyer cash needed$30,596.39
Remaining funds due$30,596.39
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%)$1,530.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$390.00
Initial HOA (3 months)$1,005.00
Prepaid interest, first (6 days)$319.03
Fees + prepaids$11,712.61
Your down payment is the seller’s equity. You take over the $306,116 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $30,596.39 is due at closing. Uses and sources reconcile at $336,712.61 each. Not a Closing Disclosure.