Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$180,186Cash toward the purchase price.
Closing costs + prepaids$10,137Not just lender fees.
Before credits & paid funds$190,323The complete starting cash picture.
Estimated remaining funds due at closing
$190,323No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,185.57
Your down payment$180,185.57
Closing costs + prepaids$10,137.38
Total buyer cash needed$190,322.95
Remaining funds due$190,322.95
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%)$724.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$289.25
Initial HOA (3 months)$360.00
Prepaid interest, first (26 days)$296.06
Fees + prepaids$10,137.38
Your down payment is the seller’s equity. You take over the $144,814 balance, so the rest of the $325,000 price is paid at closing. A second mortgage can cover part of it. $190,322.95 is due at closing. Uses and sources reconcile at $335,137.38 each. Not a Closing Disclosure.