Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$64,482Cash toward the purchase price.
Closing costs + prepaids$11,040Not just lender fees.
Before credits & paid funds$75,522The complete starting cash picture.
Estimated remaining funds due at closing
$75,522No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,481.92
Your down payment$64,481.92
Closing costs + prepaids$11,040.02
Total buyer cash needed$75,521.95
Remaining funds due$75,521.95
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%)$1,277.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$177.00
Initial HOA (3 months)$690.00
Prepaid interest, first (22 days)$477.43
Fees + prepaids$11,040.02
Your down payment is the seller’s equity. You take over the $255,518 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $75,521.95 is due at closing. Uses and sources reconcile at $331,040.02 each. Not a Closing Disclosure.