Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$47,923Cash toward the purchase price.
Closing costs + prepaids$10,971Not just lender fees.
Before credits & paid funds$58,894The complete starting cash picture.
Estimated remaining funds due at closing
$58,894No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,922.91
Your down payment$47,922.91
Closing costs + prepaids$10,971.34
Total buyer cash needed$58,894.25
Remaining funds due$58,894.25
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%)$1,360.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$154.25
Initial HOA (3 months)$555.00
Prepaid interest, first (21 days)$483.70
Fees + prepaids$10,971.34
Your down payment is the seller’s equity. You take over the $272,077 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $58,894.25 is due at closing. Uses and sources reconcile at $330,971.34 each. Not a Closing Disclosure.