Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$24,597Cash toward the purchase price.
Closing costs + prepaids$10,228Not just lender fees.
Before credits & paid funds$34,826The complete starting cash picture.
Estimated remaining funds due at closing
$34,826No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,597.14
Your down payment$24,597.14
Closing costs + prepaids$10,228.43
Total buyer cash needed$34,825.57
Remaining funds due$34,825.57
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%)$1,477.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$285.50
Prepaid interest, first (2 days)$47.91
Fees + prepaids$10,228.43
Your down payment is the seller’s equity. You take over the $295,403 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $34,825.57 is due at closing. Uses and sources reconcile at $330,228.43 each. Not a Closing Disclosure.