Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$7,825Cash toward the purchase price.
Closing costs + prepaids$12,371Not just lender fees.
Before credits & paid funds$20,197The complete starting cash picture.
Estimated remaining funds due at closing
$20,197No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,825.45
Your down payment$7,825.45
Closing costs + prepaids$12,371.42
Total buyer cash needed$20,196.88
Remaining funds due$20,196.88
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%)$1,610.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$327.25
Initial HOA (3 months)$255.00
Prepaid interest, first (30 days)$1,660.30
Fees + prepaids$12,371.42
Your down payment is the seller’s equity. You take over the $322,175 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $20,196.88 is due at closing. Uses and sources reconcile at $342,371.42 each. Not a Closing Disclosure.