Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$5,313Cash toward the purchase price.
Closing costs + prepaids$11,817Not just lender fees.
Before credits & paid funds$17,129The complete starting cash picture.
Estimated remaining funds due at closing
$17,129No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,312.56
Your down payment$5,312.56
Closing costs + prepaids$11,816.60
Total buyer cash needed$17,129.16
Remaining funds due$17,129.16
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%)$1,573.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$50.50
Prepaid interest, first (31 days)$1,774.66
Fees + prepaids$11,816.60
Your down payment is the seller’s equity. You take over the $314,687 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $17,129.16 is due at closing. Uses and sources reconcile at $331,816.60 each. Not a Closing Disclosure.