Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$182,668Cash toward the purchase price.
Closing costs + prepaids$9,582Not just lender fees.
Before credits & paid funds$192,250The complete starting cash picture.
Estimated remaining funds due at closing
$192,250No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,667.67
Your down payment$182,667.67
Closing costs + prepaids$9,582.40
Total buyer cash needed$192,250.07
Remaining funds due$192,250.07
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%)$711.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$180.00
Prepaid interest, first (21 days)$222.74
Fees + prepaids$9,582.40
Your down payment is the seller’s equity. You take over the $142,332 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $192,250.07 is due at closing. Uses and sources reconcile at $334,582.40 each. Not a Closing Disclosure.