Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$44,982Cash toward the purchase price.
Closing costs + prepaids$10,295Not just lender fees.
Before credits & paid funds$55,277The complete starting cash picture.
Estimated remaining funds due at closing
$55,277No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,981.63
Your down payment$44,981.63
Closing costs + prepaids$10,295.03
Total buyer cash needed$55,276.66
Remaining funds due$55,276.66
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%)$1,400.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$331.50
Prepaid interest, first (2 days)$95.44
Fees + prepaids$10,295.03
Your down payment is the seller’s equity. You take over the $280,018 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $55,276.66 is due at closing. Uses and sources reconcile at $335,295.03 each. Not a Closing Disclosure.