Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$117,744Cash toward the purchase price.
Closing costs + prepaids$10,985Not just lender fees.
Before credits & paid funds$128,729The complete starting cash picture.
Estimated remaining funds due at closing
$128,729No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,743.55
Your down payment$117,743.55
Closing costs + prepaids$10,985.12
Total buyer cash needed$128,728.67
Remaining funds due$128,728.67
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%)$1,011.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$800.00
Initial HOA (3 months)$31.26
Prepaid interest, first (28 days)$724.58
Fees + prepaids$10,985.12
Your down payment is the seller’s equity. You take over the $202,256 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $128,728.67 is due at closing. Uses and sources reconcile at $330,985.12 each. Not a Closing Disclosure.