Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$104,899Cash toward the purchase price.
Closing costs + prepaids$9,921Not just lender fees.
Before credits & paid funds$114,819The complete starting cash picture.
Estimated remaining funds due at closing
$114,819No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,898.63
Your down payment$104,898.63
Closing costs + prepaids$9,920.68
Total buyer cash needed$114,819.31
Remaining funds due$114,819.31
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%)$1,100.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$315.75
Prepaid interest, first (2 days)$36.42
Fees + prepaids$9,920.68
Your down payment is the seller’s equity. You take over the $220,101 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $114,819.31 is due at closing. Uses and sources reconcile at $334,920.68 each. Not a Closing Disclosure.