Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$194,319Cash toward the purchase price.
Closing costs + prepaids$9,672Not just lender fees.
Before credits & paid funds$203,991The complete starting cash picture.
Estimated remaining funds due at closing
$203,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,318.62
Your down payment$194,318.62
Closing costs + prepaids$9,672.30
Total buyer cash needed$203,990.92
Remaining funds due$203,990.92
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%)$628.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$384.00
Initial HOA (3 months)$120.00
Prepaid interest, first (10 days)$121.89
Fees + prepaids$9,672.30
Your down payment is the seller’s equity. You take over the $125,681 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $203,990.92 is due at closing. Uses and sources reconcile at $329,672.30 each. Not a Closing Disclosure.