Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$16,366Cash toward the purchase price.
Closing costs + prepaids$13,221Not just lender fees.
Before credits & paid funds$29,587The complete starting cash picture.
Estimated remaining funds due at closing
$29,587No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,366.37
Your down payment$16,366.37
Closing costs + prepaids$13,220.55
Total buyer cash needed$29,586.93
Remaining funds due$29,586.93
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%)$1,518.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,030.75
Prepaid interest, first (22 days)$1,253.63
Fees + prepaids$13,220.55
Your down payment is the seller’s equity. You take over the $303,634 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $29,586.93 is due at closing. Uses and sources reconcile at $333,220.55 each. Not a Closing Disclosure.