Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$220,577Cash toward the purchase price.
Closing costs + prepaids$9,289Not just lender fees.
Before credits & paid funds$229,865The complete starting cash picture.
Estimated remaining funds due at closing
$229,865No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,576.69
Your down payment$220,576.69
Closing costs + prepaids$9,288.51
Total buyer cash needed$229,865.20
Remaining funds due$229,865.20
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%)$547.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$207.50
Prepaid interest, first (2 days)$15.89
Fees + prepaids$9,288.51
Your down payment is the seller’s equity. You take over the $109,423 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $229,865.20 is due at closing. Uses and sources reconcile at $339,288.51 each. Not a Closing Disclosure.