Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$102,458Cash toward the purchase price.
Closing costs + prepaids$11,317Not just lender fees.
Before credits & paid funds$113,774The complete starting cash picture.
Estimated remaining funds due at closing
$113,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,457.64
Your down payment$102,457.64
Closing costs + prepaids$11,316.70
Total buyer cash needed$113,774.34
Remaining funds due$113,774.34
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%)$1,087.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$352.50
Initial HOA (3 months)$1,155.00
Prepaid interest, first (19 days)$303.49
Fees + prepaids$11,316.70
Your down payment is the seller’s equity. You take over the $217,542 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $113,774.34 is due at closing. Uses and sources reconcile at $331,316.70 each. Not a Closing Disclosure.