Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$21,965Cash toward the purchase price.
Closing costs + prepaids$12,613Not just lender fees.
Before credits & paid funds$34,578The complete starting cash picture.
Estimated remaining funds due at closing
$34,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,964.96
Your down payment$21,964.96
Closing costs + prepaids$12,613.09
Total buyer cash needed$34,578.05
Remaining funds due$34,578.05
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%)$1,540.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$249.25
Initial HOA (3 months)$660.00
Prepaid interest, first (30 days)$1,645.67
Fees + prepaids$12,613.09
Your down payment is the seller’s equity. You take over the $308,035 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $34,578.05 is due at closing. Uses and sources reconcile at $342,613.09 each. Not a Closing Disclosure.