Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$5,313Cash toward the purchase price.
Closing costs + prepaids$11,072Not just lender fees.
Before credits & paid funds$16,385The complete starting cash picture.
Estimated remaining funds due at closing
$16,385No 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$11,072.39
Total buyer cash needed$16,384.95
Remaining funds due$16,384.95
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 (18 days)$1,030.45
Fees + prepaids$11,072.39
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. $16,384.95 is due at closing. Uses and sources reconcile at $331,072.39 each. Not a Closing Disclosure.