Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$249,418Cash toward the purchase price.
Closing costs + prepaids$9,611Not just lender fees.
Before credits & paid funds$259,029The complete starting cash picture.
Estimated remaining funds due at closing
$259,029No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,417.97
Your down payment$249,417.97
Closing costs + prepaids$9,610.92
Total buyer cash needed$259,028.89
Remaining funds due$259,028.89
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%)$402.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$378.50
Initial HOA (3 months)$83.01
Prepaid interest, first (30 days)$228.50
Fees + prepaids$9,610.92
Your down payment is the seller’s equity. You take over the $80,582 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $259,028.89 is due at closing. Uses and sources reconcile at $339,610.92 each. Not a Closing Disclosure.