Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$250,547Cash toward the purchase price.
Closing costs + prepaids$9,958Not just lender fees.
Before credits & paid funds$260,504The complete starting cash picture.
Estimated remaining funds due at closing
$260,504No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,546.80
Your down payment$250,546.80
Closing costs + prepaids$9,957.60
Total buyer cash needed$260,504.41
Remaining funds due$260,504.41
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%)$372.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$442.75
Initial HOA (3 months)$495.00
Prepaid interest, first (31 days)$179.59
Fees + prepaids$9,957.60
Your down payment is the seller’s equity. You take over the $74,453 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $260,504.41 is due at closing. Uses and sources reconcile at $334,957.60 each. Not a Closing Disclosure.