Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$69,175Cash toward the purchase price.
Closing costs + prepaids$11,181Not just lender fees.
Before credits & paid funds$80,355The complete starting cash picture.
Estimated remaining funds due at closing
$80,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,174.70
Your down payment$69,174.70
Closing costs + prepaids$11,180.66
Total buyer cash needed$80,355.36
Remaining funds due$80,355.36
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%)$3,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,254.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$229.75
Initial HOA (3 months)$690.00
Prepaid interest, first (28 days)$588.79
Fees + prepaids$11,180.66
Your down payment is the seller’s equity. You take over the $250,825 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $80,355.36 is due at closing. Uses and sources reconcile at $331,180.66 each. Not a Closing Disclosure.