Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$48,056Cash toward the purchase price.
Closing costs + prepaids$10,362Not just lender fees.
Before credits & paid funds$58,418The complete starting cash picture.
Estimated remaining funds due at closing
$58,418No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,055.53
Your down payment$48,055.53
Closing costs + prepaids$10,362.13
Total buyer cash needed$58,417.66
Remaining funds due$58,417.66
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%)$1,359.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$144.75
Prepaid interest, first (21 days)$439.66
Fees + prepaids$10,362.13
Your down payment is the seller’s equity. You take over the $271,944 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $58,417.66 is due at closing. Uses and sources reconcile at $330,362.13 each. Not a Closing Disclosure.