Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$199,704Cash toward the purchase price.
Closing costs + prepaids$9,852Not just lender fees.
Before credits & paid funds$209,555The complete starting cash picture.
Estimated remaining funds due at closing
$209,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$199,703.67
Your down payment$199,703.67
Closing costs + prepaids$9,851.69
Total buyer cash needed$209,555.36
Remaining funds due$209,555.36
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%)$626.48
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)$222.00
Prepaid interest, first (10 days)$145.21
Fees + prepaids$9,851.69
Your down payment is the seller’s equity. You take over the $125,296 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $209,555.36 is due at closing. Uses and sources reconcile at $334,851.69 each. Not a Closing Disclosure.