Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$13,742Cash toward the purchase price.
Closing costs + prepaids$10,483Not just lender fees.
Before credits & paid funds$24,225The complete starting cash picture.
Estimated remaining funds due at closing
$24,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,741.77
Your down payment$13,741.77
Closing costs + prepaids$10,483.00
Total buyer cash needed$24,224.77
Remaining funds due$24,224.77
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%)$1,531.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$430.50
Prepaid interest, first (2 days)$103.20
Fees + prepaids$10,483.00
Your down payment is the seller’s equity. You take over the $306,258 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $24,224.77 is due at closing. Uses and sources reconcile at $330,483.00 each. Not a Closing Disclosure.