Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$75,577Cash toward the purchase price.
Closing costs + prepaids$10,755Not just lender fees.
Before credits & paid funds$86,332The complete starting cash picture.
Estimated remaining funds due at closing
$86,332No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,577.13
Your down payment$75,577.13
Closing costs + prepaids$10,755.06
Total buyer cash needed$86,332.19
Remaining funds due$86,332.19
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%)$1,222.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$615.25
Prepaid interest, first (26 days)$499.69
Fees + prepaids$10,755.06
Your down payment is the seller’s equity. You take over the $244,423 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $86,332.19 is due at closing. Uses and sources reconcile at $330,755.06 each. Not a Closing Disclosure.