Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$10,636Cash toward the purchase price.
Closing costs + prepaids$11,653Not just lender fees.
Before credits & paid funds$22,289The complete starting cash picture.
Estimated remaining funds due at closing
$22,289No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,635.79
Your down payment$10,635.79
Closing costs + prepaids$11,653.40
Total buyer cash needed$22,289.19
Remaining funds due$22,289.19
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%)$1,546.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$934.25
Initial HOA (3 months)$16.26
Prepaid interest, first (28 days)$738.07
Fees + prepaids$11,653.40
Your down payment is the seller’s equity. You take over the $309,364 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $22,289.19 is due at closing. Uses and sources reconcile at $331,653.40 each. Not a Closing Disclosure.