Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$163,360Cash toward the purchase price.
Closing costs + prepaids$10,335Not just lender fees.
Before credits & paid funds$173,695The complete starting cash picture.
Estimated remaining funds due at closing
$173,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,360.07
Your down payment$163,360.07
Closing costs + prepaids$10,334.87
Total buyer cash needed$173,694.94
Remaining funds due$173,694.94
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%)$783.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$507.25
Initial HOA (3 months)$579.99
Prepaid interest, first (2 days)$46.43
Fees + prepaids$10,334.87
Your down payment is the seller’s equity. You take over the $156,640 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $173,694.94 is due at closing. Uses and sources reconcile at $330,334.87 each. Not a Closing Disclosure.