Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$24,279Cash toward the purchase price.
Closing costs + prepaids$11,627Not just lender fees.
Before credits & paid funds$35,906The complete starting cash picture.
Estimated remaining funds due at closing
$35,906No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,278.96
Your down payment$24,278.96
Closing costs + prepaids$11,627.42
Total buyer cash needed$35,906.37
Remaining funds due$35,906.37
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%)$1,478.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$484.00
Initial HOA (3 months)$6.24
Prepaid interest, first (22 days)$1,240.57
Fees + prepaids$11,627.42
Your down payment is the seller’s equity. You take over the $295,721 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $35,906.37 is due at closing. Uses and sources reconcile at $331,627.42 each. Not a Closing Disclosure.