Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$63,047Cash toward the purchase price.
Closing costs + prepaids$10,447Not just lender fees.
Before credits & paid funds$73,494The complete starting cash picture.
Estimated remaining funds due at closing
$73,494No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,047.10
Your down payment$63,047.10
Closing costs + prepaids$10,446.85
Total buyer cash needed$73,493.96
Remaining funds due$73,493.96
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%)$1,309.76
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$227.00
Prepaid interest, first (20 days)$442.09
Fees + prepaids$10,446.85
Your down payment is the seller’s equity. You take over the $261,953 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $73,493.96 is due at closing. Uses and sources reconcile at $335,446.85 each. Not a Closing Disclosure.