Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$128,206Cash toward the purchase price.
Closing costs + prepaids$11,193Not just lender fees.
Before credits & paid funds$139,399The complete starting cash picture.
Estimated remaining funds due at closing
$139,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,205.52
Your down payment$128,205.52
Closing costs + prepaids$11,193.40
Total buyer cash needed$139,398.91
Remaining funds due$139,398.91
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%)$958.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$308.00
Initial HOA (3 months)$1,089.00
Prepaid interest, first (26 days)$419.43
Fees + prepaids$11,193.40
Your down payment is the seller’s equity. You take over the $191,794 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $139,398.91 is due at closing. Uses and sources reconcile at $331,193.40 each. Not a Closing Disclosure.