Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$148,840Cash toward the purchase price.
Closing costs + prepaids$10,025Not just lender fees.
Before credits & paid funds$158,864The complete starting cash picture.
Estimated remaining funds due at closing
$158,864No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,839.60
Your down payment$148,839.60
Closing costs + prepaids$10,024.68
Total buyer cash needed$158,864.28
Remaining funds due$158,864.28
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%)$855.80
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 (26 days)$401.12
Fees + prepaids$10,024.68
Your down payment is the seller’s equity. You take over the $171,160 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $158,864.28 is due at closing. Uses and sources reconcile at $330,024.68 each. Not a Closing Disclosure.