Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$109,363Cash toward the purchase price.
Closing costs + prepaids$10,751Not just lender fees.
Before credits & paid funds$120,114The complete starting cash picture.
Estimated remaining funds due at closing
$120,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$109,363.19
Your down payment$109,363.19
Closing costs + prepaids$10,751.02
Total buyer cash needed$120,114.21
Remaining funds due$120,114.21
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%)$1,103.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$365.75
Initial HOA (3 months)$240.00
Prepaid interest, first (30 days)$524.09
Fees + prepaids$10,751.02
Your down payment is the seller’s equity. You take over the $220,637 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $120,114.21 is due at closing. Uses and sources reconcile at $340,751.02 each. Not a Closing Disclosure.