Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$168,188Cash toward the purchase price.
Closing costs + prepaids$9,743Not just lender fees.
Before credits & paid funds$177,931The complete starting cash picture.
Estimated remaining funds due at closing
$177,931No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,187.59
Your down payment$168,187.59
Closing costs + prepaids$9,743.19
Total buyer cash needed$177,930.78
Remaining funds due$177,930.78
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%)$759.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$384.00
Initial HOA (3 months)$69.00
Prepaid interest, first (10 days)$113.13
Fees + prepaids$9,743.19
Your down payment is the seller’s equity. You take over the $151,812 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $177,930.78 is due at closing. Uses and sources reconcile at $329,743.19 each. Not a Closing Disclosure.