Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$303,863Cash toward the purchase price.
Closing costs + prepaids$8,921Not just lender fees.
Before credits & paid funds$312,783The complete starting cash picture.
Estimated remaining funds due at closing
$312,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$303,862.63
Your down payment$303,862.63
Closing costs + prepaids$8,920.56
Total buyer cash needed$312,783.19
Remaining funds due$312,783.19
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%)$80.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$366.50
Prepaid interest, first (31 days)$55.37
Fees + prepaids$8,920.56
Your down payment is the seller’s equity. You take over the $16,137 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $312,783.19 is due at closing. Uses and sources reconcile at $328,920.56 each. Not a Closing Disclosure.