Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$167,818Cash toward the purchase price.
Closing costs + prepaids$9,539Not just lender fees.
Before credits & paid funds$177,357The complete starting cash picture.
Estimated remaining funds due at closing
$177,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,817.70
Your down payment$167,817.70
Closing costs + prepaids$9,539.25
Total buyer cash needed$177,356.95
Remaining funds due$177,356.95
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%)$760.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$280.00
Initial HOA (3 months)$69.00
Prepaid interest, first (1 days)$11.34
Fees + prepaids$9,539.25
Your down payment is the seller’s equity. You take over the $152,182 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $177,356.95 is due at closing. Uses and sources reconcile at $329,539.25 each. Not a Closing Disclosure.