Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$148,436Cash toward the purchase price.
Closing costs + prepaids$9,641Not just lender fees.
Before credits & paid funds$158,077The complete starting cash picture.
Estimated remaining funds due at closing
$158,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,435.60
Your down payment$148,435.60
Closing costs + prepaids$9,641.04
Total buyer cash needed$158,076.64
Remaining funds due$158,076.64
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%)$857.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$307.75
Initial HOA (3 months)$42.00
Prepaid interest, first (1 days)$15.46
Fees + prepaids$9,641.04
Your down payment is the seller’s equity. You take over the $171,564 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $158,076.64 is due at closing. Uses and sources reconcile at $329,641.04 each. Not a Closing Disclosure.