Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$69,175Cash toward the purchase price.
Closing costs + prepaids$11,033Not just lender fees.
Before credits & paid funds$80,208The complete starting cash picture.
Estimated remaining funds due at closing
$80,208No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,174.70
Your down payment$69,174.70
Closing costs + prepaids$11,033.47
Total buyer cash needed$80,208.17
Remaining funds due$80,208.17
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%)$1,254.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$229.75
Initial HOA (3 months)$690.00
Prepaid interest, first (21 days)$441.59
Fees + prepaids$11,033.47
Your down payment is the seller’s equity. You take over the $250,825 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $80,208.17 is due at closing. Uses and sources reconcile at $331,033.47 each. Not a Closing Disclosure.