Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$47,925Cash toward the purchase price.
Closing costs + prepaids$11,636Not just lender fees.
Before credits & paid funds$59,560The complete starting cash picture.
Estimated remaining funds due at closing
$59,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,924.52
Your down payment$47,924.52
Closing costs + prepaids$11,635.86
Total buyer cash needed$59,560.38
Remaining funds due$59,560.38
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%)$1,360.38
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)$39.99
Prepaid interest, first (26 days)$1,017.49
Fees + prepaids$11,635.86
Your down payment is the seller’s equity. You take over the $272,075 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $59,560.38 is due at closing. Uses and sources reconcile at $331,635.86 each. Not a Closing Disclosure.