Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$77,018Cash toward the purchase price.
Closing costs + prepaids$11,071Not just lender fees.
Before credits & paid funds$88,089The complete starting cash picture.
Estimated remaining funds due at closing
$88,089No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,018.25
Your down payment$77,018.25
Closing costs + prepaids$11,070.77
Total buyer cash needed$88,089.02
Remaining funds due$88,089.02
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%)$1,239.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$412.75
Initial HOA (3 months)$930.00
Prepaid interest, first (1 days)$20.11
Fees + prepaids$11,070.77
Your down payment is the seller’s equity. You take over the $247,982 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $88,089.02 is due at closing. Uses and sources reconcile at $336,070.77 each. Not a Closing Disclosure.