Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$98,980Cash toward the purchase price.
Closing costs + prepaids$10,255Not just lender fees.
Before credits & paid funds$109,234The complete starting cash picture.
Estimated remaining funds due at closing
$109,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,979.66
Your down payment$98,979.66
Closing costs + prepaids$10,254.83
Total buyer cash needed$109,234.49
Remaining funds due$109,234.49
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%)$1,105.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$208.00
Prepaid interest, first (31 days)$523.73
Fees + prepaids$10,254.83
Your down payment is the seller’s equity. You take over the $221,020 balance, so the rest of the $320,000 price is paid at closing. A second mortgage can cover part of it. $109,234.49 is due at closing. Uses and sources reconcile at $330,254.83 each. Not a Closing Disclosure.