Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$15,067Cash toward the purchase price.
Closing costs + prepaids$12,738Not just lender fees.
Before credits & paid funds$27,805The complete starting cash picture.
Estimated remaining funds due at closing
$27,805No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,067.42
Your down payment$15,067.42
Closing costs + prepaids$12,737.60
Total buyer cash needed$27,805.03
Remaining funds due$27,805.03
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%)$1,524.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,020.25
Initial HOA (3 months)$102.99
Prepaid interest, first (30 days)$1,671.70
Fees + prepaids$12,737.60
Your down payment is the seller’s equity. You take over the $304,933 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $27,805.03 is due at closing. Uses and sources reconcile at $332,737.60 each. Not a Closing Disclosure.