Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$105,141Cash toward the purchase price.
Closing costs + prepaids$11,026Not just lender fees.
Before credits & paid funds$116,166The complete starting cash picture.
Estimated remaining funds due at closing
$116,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,140.63
Your down payment$105,140.63
Closing costs + prepaids$11,025.66
Total buyer cash needed$116,166.29
Remaining funds due$116,166.29
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%)$1,074.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,111.00
Prepaid interest, first (25 days)$422.36
Fees + prepaids$11,025.66
Your down payment is the seller’s equity. You take over the $214,859 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $116,166.29 is due at closing. Uses and sources reconcile at $331,025.66 each. Not a Closing Disclosure.