Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$129,336Cash toward the purchase price.
Closing costs + prepaids$10,165Not just lender fees.
Before credits & paid funds$139,502The complete starting cash picture.
Estimated remaining funds due at closing
$139,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,336.44
Your down payment$129,336.44
Closing costs + prepaids$10,165.45
Total buyer cash needed$139,501.88
Remaining funds due$139,501.88
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%)$953.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$3.00
Initial HOA (3 months)$321.00
Prepaid interest, first (30 days)$470.13
Fees + prepaids$10,165.45
Your down payment is the seller’s equity. You take over the $190,664 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $139,501.88 is due at closing. Uses and sources reconcile at $330,165.45 each. Not a Closing Disclosure.