Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$82,372Cash toward the purchase price.
Closing costs + prepaids$10,786Not just lender fees.
Before credits & paid funds$93,158The complete starting cash picture.
Estimated remaining funds due at closing
$93,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,372.42
Your down payment$82,372.42
Closing costs + prepaids$10,785.55
Total buyer cash needed$93,157.97
Remaining funds due$93,157.97
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%)$1,188.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$572.00
Prepaid interest, first (30 days)$607.42
Fees + prepaids$10,785.55
Your down payment is the seller’s equity. You take over the $237,628 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $93,157.97 is due at closing. Uses and sources reconcile at $330,785.55 each. Not a Closing Disclosure.