Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$171,893Cash toward the purchase price.
Closing costs + prepaids$9,730Not just lender fees.
Before credits & paid funds$181,623The complete starting cash picture.
Estimated remaining funds due at closing
$181,623No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,892.86
Your down payment$171,892.86
Closing costs + prepaids$9,730.37
Total buyer cash needed$181,623.23
Remaining funds due$181,623.23
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%)$740.54
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$326.75
Prepaid interest, first (20 days)$245.09
Fees + prepaids$9,730.37
Your down payment is the seller’s equity. You take over the $148,107 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $181,623.23 is due at closing. Uses and sources reconcile at $329,730.37 each. Not a Closing Disclosure.