Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$122,288Cash toward the purchase price.
Closing costs + prepaids$12,018Not just lender fees.
Before credits & paid funds$134,306The complete starting cash picture.
Estimated remaining funds due at closing
$134,306No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,287.97
Your down payment$122,287.97
Closing costs + prepaids$12,017.66
Total buyer cash needed$134,305.63
Remaining funds due$134,305.63
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%)$988.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,836.50
Prepaid interest, first (22 days)$774.60
Fees + prepaids$12,017.66
Your down payment is the seller’s equity. You take over the $197,712 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $134,305.63 is due at closing. Uses and sources reconcile at $332,017.66 each. Not a Closing Disclosure.