Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$18,626Cash toward the purchase price.
Closing costs + prepaids$13,218Not just lender fees.
Before credits & paid funds$31,844The complete starting cash picture.
Estimated remaining funds due at closing
$31,844No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,625.95
Your down payment$18,625.95
Closing costs + prepaids$13,218.25
Total buyer cash needed$31,844.20
Remaining funds due$31,844.20
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%)$1,506.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,337.75
Initial HOA (3 months)$297.00
Prepaid interest, first (31 days)$1,658.63
Fees + prepaids$13,218.25
Your down payment is the seller’s equity. You take over the $301,374 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $31,844.20 is due at closing. Uses and sources reconcile at $333,218.25 each. Not a Closing Disclosure.