Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$99,290Cash toward the purchase price.
Closing costs + prepaids$11,058Not just lender fees.
Before credits & paid funds$110,348The complete starting cash picture.
Estimated remaining funds due at closing
$110,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,290.33
Your down payment$99,290.33
Closing costs + prepaids$11,057.84
Total buyer cash needed$110,348.16
Remaining funds due$110,348.16
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%)$1,153.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$825.00
Prepaid interest, first (30 days)$561.29
Fees + prepaids$11,057.84
Your down payment is the seller’s equity. You take over the $230,710 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $110,348.16 is due at closing. Uses and sources reconcile at $341,057.84 each. Not a Closing Disclosure.