Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$101,927Cash toward the purchase price.
Closing costs + prepaids$11,032Not just lender fees.
Before credits & paid funds$112,959The complete starting cash picture.
Estimated remaining funds due at closing
$112,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,927.24
Your down payment$101,927.24
Closing costs + prepaids$11,031.88
Total buyer cash needed$112,959.12
Remaining funds due$112,959.12
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%)$1,090.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$352.50
Initial HOA (3 months)$1,155.00
Prepaid interest, first (1 days)$16.01
Fees + prepaids$11,031.88
Your down payment is the seller’s equity. You take over the $218,073 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $112,959.12 is due at closing. Uses and sources reconcile at $331,031.88 each. Not a Closing Disclosure.