Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$295,676Cash toward the purchase price.
Closing costs + prepaids$9,069Not just lender fees.
Before credits & paid funds$304,745The complete starting cash picture.
Estimated remaining funds due at closing
$304,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,675.78
Your down payment$295,675.78
Closing costs + prepaids$9,068.81
Total buyer cash needed$304,744.59
Remaining funds due$304,744.59
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%)$3,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$171.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$287.50
Prepaid interest, first (30 days)$91.69
Fees + prepaids$9,068.81
Your down payment is the seller’s equity. You take over the $34,324 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $304,744.59 is due at closing. Uses and sources reconcile at $339,068.81 each. Not a Closing Disclosure.