Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$43,532Cash toward the purchase price.
Closing costs + prepaids$11,100Not just lender fees.
Before credits & paid funds$54,632The complete starting cash picture.
Estimated remaining funds due at closing
$54,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,531.73
Your down payment$43,531.73
Closing costs + prepaids$11,100.22
Total buyer cash needed$54,631.96
Remaining funds due$54,631.96
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%)$1,382.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$600.00
Prepaid interest, first (14 days)$699.88
Fees + prepaids$11,100.22
Your down payment is the seller’s equity. You take over the $276,468 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $54,631.96 is due at closing. Uses and sources reconcile at $331,100.22 each. Not a Closing Disclosure.