Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$193,852Cash toward the purchase price.
Closing costs + prepaids$9,584Not just lender fees.
Before credits & paid funds$203,436The complete starting cash picture.
Estimated remaining funds due at closing
$203,436No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,851.77
Your down payment$193,851.77
Closing costs + prepaids$9,584.23
Total buyer cash needed$203,435.99
Remaining funds due$203,435.99
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%)$630.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$403.25
Initial HOA (3 months)$120.00
Prepaid interest, first (1 days)$12.23
Fees + prepaids$9,584.23
Your down payment is the seller’s equity. You take over the $126,148 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $203,435.99 is due at closing. Uses and sources reconcile at $329,584.23 each. Not a Closing Disclosure.