Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$68,605Cash toward the purchase price.
Closing costs + prepaids$10,616Not just lender fees.
Before credits & paid funds$79,221The complete starting cash picture.
Estimated remaining funds due at closing
$79,221No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,604.95
Your down payment$68,604.95
Closing costs + prepaids$10,615.80
Total buyer cash needed$79,220.75
Remaining funds due$79,220.75
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%)$1,256.98
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 (1 days)$21.08
Fees + prepaids$10,615.80
Your down payment is the seller’s equity. You take over the $251,395 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $79,220.75 is due at closing. Uses and sources reconcile at $330,615.80 each. Not a Closing Disclosure.